Did you sail to the skelly fortress? When me and my mates usually dive we get way less loot. Diving is faster/safer but I do feel like we get waaaaaaaaaay less loot per island than before the quest rework. We used to do ~500K haules for Gold Hoarder but now that's only like 125K or something. A decent Athena run of ~2 hours or so is now only ~300K Loot feels nerfed.
Thanks for sharing your experience. It's interesting to hear how the loot dynamics have changed for you and your crew. It depends really if you have got the correct server with people who want Parlay; to make an Achord to be allys and fight together against any threat. Then plunder should be worth more on top as you get a cut from the alliance and your flag colours you sail under. Diving with loot has a warning label of lost of loot. So be aware of that. I will look into that.