Either way, "loss of nuclear material" is the real concern isn't it, instead of just the nature of how that loss happened?
The question still stands. If a country knows they're potentially going to cause a nuclear disaster by hitting one of these ships on their shoreline, are they as likely to shoot at them?
And even among the non-hardliners mistakes are rampant in war. It's not about what they're likely to rationally do, it's about what some local, demoralized missile officer who graduated in the bottom 20% of his class does when he's cut off from command and drinking too much.
If Iran wants to make their country a nuclear wasteland, they don't need to blow up ships to do it. I'd imagine they probably don't want that outcome, but hey I'm not an Iranian so I can't speak for them.
I kind of figured that'd just be a "logical" thing and not necessarily a "cultural" thing, but I agree I don't know all cultures.