Imagine the insurance if you find out after all that its not that great in combat after all.
Agreed, but OP stated "if money was not a problem."
I gave up all this stuff and went Exploring once 1.3 dropped. It's only today that there is some sign that the bug patches may be finally getting things back to a state of stability that might make it worthwhile to return to the core.
My sense of the 1.3 changes is that flying heavy expensive ships is no longer the advantage it once was as the risk/reward equation has changed. When/if I return, I'll most likely shift into smaller ships to minimize losses. I'm gravitating toward Courier for missions, Vulture for Combat, Asp for Exploration, and Clipper for trading as those seem to have the best survivability/re-buy cost in the current environment.
Risking expensive ships in this environment doesn't seem very prudent. I'll be playing defense for the near term.