I agree it's a lot, but people seem to really like it I guess. I haven't following the game much since release is so far away, but from time to time I do wonder if I'm missing out not getting some additional stuff before it's "gone forever" (at least in the form that includes the insurance so you don't have to grind 2 weeks of credits to rebuy the ship everytime you're killed).
The main issue I have with investing in these kind of ships (well, besides wondering if it's really worth it since the game hasn't released) is if they're just going to release more unannounced ships a few months later that are better in every way or more in line with what I wanted to get. Was there some sort of indication or overview of everything they were making for the game?
There's the
ship dev docs, but have they said if it covers everything the game ships with? There's only ~9 ships across 5 different venders, so that doesn't seem so bad to weigh out the differences in them if so.
Edit: I'm curious too now how it will be balanced, I think it was mentioned at some point, but someone without insurance has to earn enough credits to buy a new ship if they are killed, while someone with insurance gets their high-end ship back without a large payment. But something was in place to keep it balanced so the people with the AAA ships aren't just continuously re-spawning on suicide runs killing dozens of people who don't have insurance re-spawning in C or D level ships which can't compete?