Specifically if you're looking to outfit your ship for combat...
It's always worth upgrading the crap out of your current ship before purchasing a higher tier ship. Here's what happened to me -- I went from Sidewinder, to Viper, to Type 6, to a Vulture. Now I was looking to make a big jump from Vulture to Fer de Lance. I had my Vulture outfitted in full "B" quality gear. It was worth 15mil CR when I sold it to get the last bit of money I needed to buy the 51mil CR Fer de Lance. The baseline Fer de Lance is terrible. Completely terrible compared to a "B" outfitted Vulture. I ended up selling it and buying my vulture back, but this time with "A" outfittings.
Moral of the story... Don't buy something for its baseline price and expect it to be better than your currently fully upgraded ship. You'll want to have money ready for:
#1 - Buying the ship
#2 - FULLY upgrading it
#3 - Insurance
#4 - 5 million extra for trading/buffer
So, you can plan on spending two to three times the baseline price of a ship to have it fully upgraded upon arrival. Neglecting to upgrade your ship from its default outfitting will likely be a DOWNGRADE from your current ship, even if the base price of the higher tier ship is substantially more.
It's always worth upgrading the crap out of your current ship before purchasing a higher tier ship. Here's what happened to me -- I went from Sidewinder, to Viper, to Type 6, to a Vulture. Now I was looking to make a big jump from Vulture to Fer de Lance. I had my Vulture outfitted in full "B" quality gear. It was worth 15mil CR when I sold it to get the last bit of money I needed to buy the 51mil CR Fer de Lance. The baseline Fer de Lance is terrible. Completely terrible compared to a "B" outfitted Vulture. I ended up selling it and buying my vulture back, but this time with "A" outfittings.
Moral of the story... Don't buy something for its baseline price and expect it to be better than your currently fully upgraded ship. You'll want to have money ready for:
#1 - Buying the ship
#2 - FULLY upgrading it
#3 - Insurance
#4 - 5 million extra for trading/buffer
So, you can plan on spending two to three times the baseline price of a ship to have it fully upgraded upon arrival. Neglecting to upgrade your ship from its default outfitting will likely be a DOWNGRADE from your current ship, even if the base price of the higher tier ship is substantially more.