IJN armor setups should be similar to USN armor setups. In both nations, I would run 0.4 belt, at least 2-3 bulk head and maybe a little bulge. If you have 900 SD and a good rep (as you can rep pretty high up after torp dmg), SS's shouldn't be much of a problem unless it's a t3-4 ss. The bulk head helps you keep going after taking several hits.
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