This is my Asp (or at least, it's 90% my asp. Hopefully I'll finish her this week or weekend). It will only cost around 32 million to get the way I want, and the insurance is a reasonable 1.6 million rebuy. I completely agree with OP about how it's stupid that trading is the only really viable way to get dosh in the game, but maybe once Wings comes out we can have slightly more complicated and higher paying bounty missions. I suppose one thing to keep in mind, is that having an Anaconda doesn't make one invincible, or even good. My Asp currently annihilates anything from a Sidewinder to a Python (assuming I don't make any bone-headed moves), and I expect that as I get more practice, Anaconda pilots will die just as quickly. I can already solo the "kill missions," but those aren't really a good indication of player skill.
I feel that you're running into the primary problem with this game, and that is unbalanced and unequal professions. Trading scales wonderfully with the ships you can buy, so you can just work your way up the ships and your profits will increase accordingly. Exploration more or less works like that, except an Adder can do pretty much anything an Asp can do, except much cheaper. Bounty hunting has even less scaling, since you can do literally any mission in an "A" rated viper, if you practice flying. We won't talk about mining, since it needs a ton of love. It is my opinion that if FD want this game to stick around and be popular (and not just with us masochistic types who love space trucking), they'll need to equalize all the professions, making them equally able to generate profit. Either that, or decrease the cost of the ships / provide additional ships. The Vulture will be a step in the right direction, since that will most likely be in the Asp's price range, but offer the firepower of a pre 1.1 Python in the form of twin class 3 hardpoints.
[Asp]
U: 0I Chaff Launcher
U: 0I Chaff Launcher
U: 0I Point Defence
U: 0E Kill Warrant Scanner
S: 1G/G Multi-cannon
S: 1G/G Multi-cannon
S: 1G/G Multi-cannon
S: 1G/G Multi-cannon
M: 2D/F Beam Laser
M: 2D/F Beam Laser
BH: 1I Lightweight Alloy
RB: 5A Power Plant
TM: 5A Thrusters
FH: 5A Frame Shift Drive
EC: 4A Life Support
PC: 4A Power Distributor
SS: 5C Sensors
FS: 5C Fuel Tank (Capacity: 32)
6: 6E Cargo Rack (Capacity: 64)
5: 5A Shield Generator
3: 3B Shield Cell Bank
3: 3B Shield Cell Bank
3: 3A Fuel Scoop
2: 1C Advanced Discovery Scanner
2: 1C Detailed Surface Scanner
---
Shield: 135.53 MJ
Power : 16.30 MW retracted (80%)
20.22 MW deployed (99%)
20.40 MW available
Cargo : 64 T
Fuel : 32 T
Mass : 429.2 T empty
525.2 T full
Range : 26.71 LY unladen
23.45 LY laden
Price : 31,626,832 CR
Re-Buy: 1,581,342 CR @ 95% insurance