I only strongly disagree with your second point.
You do not need money to FULLY upgrade your ship at all.
The initial money you need for upgrades totally depends on what you plan to do with the ship.
A basic trade build can be much cheaper than a full combat build.
I started out with a trading Python myself.
It bought it when I had approximately 90 mill in the bank.
I only upgraded some necessary components. I downgraded the shield, added some defenses.
Now I own a very expensive Combat Python.
The engine alone costs more than 50 million, I have almost every component A grade.
I could have bought at least two trading Pythons for it.
