Wikipedia says unmanned underwater vehicles fall in the drone category as do unmanned surface vehicles.
Speaking of which does Ukraine use weaponized RC vehicles and roaming unmanned anti-ship subs? I would think you would get a larger payload and better damage from the undercarriage.
I think you are making mental assumptions that aren’t justified.
Narco drone subs are delivery vehicles, just not for the “last mile” to the end user. They are more like self-driving long haul trucks that don’t care about international borders.