https://www.theatlantic.com/magazine/archive/2004/05/a-sea-story/302940/
Adjective laden description but it does give a good indication of the weather conditions and what happened based on the passengers testimony. Surprisingly, it doesn't mention mines, submarines, explosions, Israel, Bill Clinton, MI6 or Putin.
" On a stormy night on the Baltic Sea, more than 850 people lost their lives when a luxurious ferry sank below the waves. From a mass of material, including official and unofficial reports and survivor testimony, our correspondent has distilled an account of the Estonia's last moments—part of his continuing coverage for the magazine of anarchy on the high seas
That night the ship knifed ahead at its full 19 knots, with all four main engines fully throttled up to their combined output of 23,500 horsepower, driving the hull across the gently accumulating seas. The vessel's motion was at first barely noticeable to the passengers
As the weather grew worse and the ship began to roll more heavily, the waiters had trouble moving among the chairs with their trays, and a speaker on wheels began to move back and forth dangerously on the stage; at one point a dancing girl fell into the band.
It was soon afterward that Thiger heard a heavy, metallic-sounding blow that reverberated sharply through the ship's structure. At first he thought it must have been caused by a heavy wave, but it didn't quite feel like ordinary "slamming." He wondered if a truck might have overturned on the car deck—but no, the impact was too strong for that; it was almost as if a whiplash had run through the bulkheads."