Some "minor differences" (sarcasm) between MV Estonia and USS Cole:
The Cole was not underway, and not in heavy seas. Please consider whether a small craft in heavy seas would be able to attach an explosive devices in force 7 conditions.
It was a suicide attack, not something Russian agents are known for. Certainly not in the 1990's.
The explosion lifted the ship and immediately caused casualties. We have no witness testimony from the Estonia corroborating anything like this.
The Cole did not sink. Being a military ship, she has far superior damage control equipment, compartmentalization, and training than a commercial ferry. This fact has been noted, repeatedly by ex Royal Navy sailors in this thread.
Look at the damage the Cole received:
https://en.wikipedia.org/wiki/USS_Cole_bombing#/media/File:INTEL-COGNITIVE-Cole.jpg
Now, compare it to the hull damage you've noted on the MV Estonia. Does it actually look remotely similar to you? Please be honest.