Hi Neptune and welcome to the Forums.
Before you go making your own changes, try it this way first. Yes germany does destroy most ok UK fleet, not all. And if played right UK will have a navy back by turn 4 along with the usual US support. These set ups were play tested and tweaked, and play tested again for about 2 years before we redid the setup charts. With the exception if Hawaii IC, I believe the Charts are perfect.
Don’t let Germany’s frontline force scare you too much, Russia has plenty, it’s just spread out a bit more. Don’t let the IPC income level scare you either. Try it this way first, You’ll love it