JAIC, SSPA & HSVA and M/V Estonia.

Should we believe this guyś or are they lying? This is what I think happened.
JAIC 1 JAIC 2
SSPA YouTube
HSVA

Picture above; This is the way M/V Estonia's bow looked like after 1994 28 September 1:14 am. No bow visor and the bow ramp down.

Imagine that this is M/V Estonia with a bow that looks like the picture on top, how long time will it float?
45 minutes?
15 minutes?
5 minutes? 
1 minute?