The economics of nuclear powered subs is quite different from a commercial product. But it’s interesting to consider.
(And just for fun: imagine what effect a “right to repair” law would have…)
In addition, military spend capabilities will more readily compensate for the other two sides of the project management triangle. And AIUI a lot of those systems, once initial development occurred, were cookie-cutter / evolutionary designs.
I also understand the mini-reactors for seafaring vessels are much less efficient - but they don't need to be hugely efficient, primarily for the reason you mention.
In any case, I expect the regulatory-driven quality of those devices is ridiculously high. Well the USA systems at least -- obviously Russia had a much less pleasant experience with small reactors on submarines.
Aircraft carriers and submarines.