Even a single kilometer could be a matter of life and death.
Taking your figures for Mk48 and a closing speed of 29 knots, gives a max firing range of 20,036m against a Type 052D in a tail chase.
Just for comparison, a DDG-51 has a top speed of 35kt. In a tail chase, the Mk48 would have to be fired from 13,364m at most.
Freedom class LCS have a top speed of 50kts, so you would have to fire from 3,455m at most, in a tail chase.
Of course, all ships would be conducting evasive maneuvers, so the max range of the torpedoes would be lower than the above figures.
The above scenario is not actually indicative of how a wire guided torpedo may be used. If the submarine is positioned in such a way that the ships are closing on its position, it can fire torpedoes head-on against the fleet and have them run at only 20kts or so. A slow running torpedo will be quieter and more difficult to detect. By taking advantage of a higher relative closing speed and longer torpedo range at lower speeds, the submarine reduces the probability of a torpedo launch detection and thereby improves its survival chances. With this tactic, beyond the horizon kills against surface targets are entirely possible.