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It could be interesting if there's an 'emergency anchor' rule - like if the anchor command is used at or near the surface, it costs you one health. Of course, you could just not use refill, but then you run the risk of running out of oxygen before rolling a 3.

Ah that’s an interesting idea! Maybe if you move too many spaces while anchoring, more than 3 maybe, you take a damage.

Scraping against the ocean floor? I like it. Maybe you could also have mines strewn about the ocean that cause damage if the submarine passes through their square. There's a lot of room to expand on the ideas you started off with, and I'm curious to see where this goes!