That is the meme, but when I talk to military people they point out Russian incompetence. They do not believe NATO ships are that vulnerable. Ukraine is using a lot of tanks, but because they are using them according to good military doctrine they are not taking nearly as many losses. Note that Ukraine and Russia both got their tank instructions from the old Soviet playbook not a NATO book (though Ukraine as had NATO training as well), there is nothing about using a tank well Russia shouldn't know, but they are failing to follow their own book on how to use tanks.