But the ongoing problem, wrt theories such as a collision/ramming, bomb or torpedo strike, is one of causation and duration.
See, a high proportion of those passengers speak of repeated bangs, of a similar tone and volume, over many minutes.
And unfortunately for anyone trying to shoehorn in collisions/bombs/torpedoes, there are two fundamental reasons why the testimony I outlined in the previous paragraph above:
1) Had the ship actually been rammed, bombed or torpedoed, then passengers would have heard/experienced the initial impact/explosion very differently from any other noises. Yet nobody testifies anything like that, along the lines of "out of nowhere, I heard/experienced a loud bang* and the whole ship shuddering, then after that I heard repeated continuous banging noises that were different in nature than the initial bang(s)".
2) So, while most of the passengers' recollections were/are incompatible with the ship having been rammed, bombed or torpedoed, those testimonies are actually compatible with the scenario in which the bow visor broke free on one side, banging against the side of the hull for several minutes (causing the multiple metallic bangs described by many of the survivors) before detaching totally and fatally compromising the bow ramp in the process; then cars/trucks/lorries crashing into each other and into the side of the now-listing hull once they became at least partially buoyant on account of all the seawater flooding the vehicle deck.
* Or, being generous, three or four loud bangs (if, for example, there had been more than one bomb planted and detonated)