From the Wikipedia link (above) - "The seamount that San Francisco struck did not appear on the chart in use at the time of the accident... The Navy determined that information regarding the seamount should have been transferred to the charts in use—particularly given the relatively uncharted nature of the ocean area that was being transited—and that the failure to do so represented a breach of proper procedures... ...charts did not contain the latest data relevant to the crash site because the geographical area was not a priority for the Defense Mapping Agency."

Wikipedia cites as references:

https://nationalinterest.org/blog/buzz/what-happens-when-us-...

http://scholarworks.umass.edu/cgi/viewcontent.cgi?article=12...

(The latter cites several sources in turn.)

Politely put - neither of those suggest that the Navy is so sensible as you on this subject.