Yes to purchasing. I am in the same boat with work and a 2-year-old. I have roughly 3 hours a night to myself before I get so tired/loopy I could mess up getting an eagle through the docking bay. I've traded (completely legit and voluntary wipe at launch) my way up to an ASP with 116 cargo slots but at the snail pace that I'm inching my way toward a type 7 my daughter will be in high school before I can afford a Fer-de-Lance. I have Plenty of experience flying and believe me, I will not be on any board complaining that I wrecked my purchased ship, so that argument is moot.
I'm sensing that the likely root cause of people saying No to purchasing ships through the store is some kind of superiority or "deity" complex. They are the neckbeards that can only be defeated by the sword of 1000 truths. Due the fact that they have so much time on their hands, they are also the most prolific with their forum rage and frighten developers into submission. They can post to dozens of review sites with multiple accounts to damage any game if their beloved mechanic is tampered with. It's all about ego and bragging to their two friends that they did it the "right (tedious) way".