Why did so many people die on Lusitania?
1) The water was relatively warm, so people couldn't freeze like on Titanic and Empress of Ireland.
2) Most people were on deck already.
3) The ship's decks were known, since most of the trip was done, so people below could've evacuated quickly, unlike the Empress, where the ship was brand new to these people.
4) The torpedo hit in boiler rooms, and cargo holds; it didn't initially destroy cabins or evacuation routes.
5) Lusitania was close to shore; some people could probably swim to the beach (I think)...
6) The German U-Boat had run out of torpedoes (not counting the two it had to keep for danger on its return trip) so the people were in no danger of getting attacked while in the water.
7) There were other ship in the area, so at worse case, the people would be plucked out of the water relatively fast, one would think.
Are these reasons correct? Is there some obvious reason that I'm forgetting of why the casualty levels were so high?