And you're vastly underestimating submarines and their captains, especially when they're rigged for a silent running.
Yeah, nothing in war is certain. But, I know which boat I'd rather be on - what about you? Simply, the sub commander has to be both really good, and really lucky - in order to succeed in attacking his objective. But even if he manages to do that, he's pretty much guaranteed to die. Basically, everything has to completely go his way, to pull off a successful attack, and live to fight another day. In war, you're not often given this type scenario, setting & circumstance that will enable everything to transpire just exactly would ideally plan it.
The perfect water depth... a nice thermal layer... underwater terrain that masks the submarine... an active sonar sweep that doesn't return a distinctive object, and the fleet maneuvering straight towards you, at just the right angle and distance relative to your position, so you can make a sneak attack, undetected.
And then, assuming all this just falls into your lap, and you manage to attack, once you do - all hell breaks loose, and you're probably guaranteed to die. Same old, same old. So yeah, it's not impossible... it's just, incredibly difficult (with a good portion of it being sheer, blind luck). And yes, most decidedly: 'suicidal'.