It would depend on the information given to the player.
If all I hear is "torpedo wake! Bearing XXX" with no other info, I would try to get eyes on it and determine its target. Maneuvering without any extra info could possibly put me in a tactical disadvantage, with the worst case of me turning into the torpedo if I don't even know what direction it's heading.
I'd assume that a lookout would include some bit of info in the call that tells the captain if the destroyer is the intended target or not, so hearing "Incoming torpedo, bearing XXX" tells me I'm the target and it's rough direction of travel based on my own course.
So far I haven't heard any callouts for torpedo wakes. All I get is "periscope feather", which I can't actually see myself from the lookout station, and moments later the thud of an explosion on a convoy ship.
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