Yup, there is definitely a middle ground solution, and I think you hit the nail on the head.
The higher ranked NPCs probably shouldn't be the most common things interdicting players.
I tend to go after the top ranked NPCs in high-res sites because they have the largest bounties on their heads.
I'm ok with taking those guys on sometimes depending on what ship I'm in and where my brain is at the time. But, yeah... Not EVERY encounter needs to be a white-knuckled battle to the death against the galaxy's most blood-thirsty top pilots.
Sometimes it's nice to just go from point A to B without fighting anything at all. Sometimes it's nice to have what I call a "lazy" fight, where I'm not worried about strategy or dying, I'm just enjoying the spectacle of it all.
This. So much this.
I do NOT want the new AI removed because I know it has brought more fun to the combat oriented players. And when I'm bounty hunting, it's nice to feel the need of caution again instead of just blasting everything in site. Also, I have only taken out the PP on an enemy ship once or twice (both Anacondas) in 2.1, though I try on nearly every ship; this is definitely an improvement. Also, no spinning Python/Imperial Clippers (other ships did it too, but these two were the most comical) that just let you blast the hell out of them. So for the 100th time, please don't take away the improvements that make combat fun.
But that aside, yes, it is nice to go unmolested most of the time. It's also nice to have the occasional lazy fight.
When I wanted white knuckle excitement in 2.0, I would stack courier (and some smuggling, NO shadow deliveries) missions. Then it was 17-24 jump race back to the bubble/target area with a bunch of ships in pursuit; not only was their serious threats (FAS or Vultures vs. my Cobra Mk 3 or DBS), but also the race against the clock. I remember one "gang bang" interdiction where a Vulture pulled me down, then a Clipper, a FAS, and something else joined; they all wanted me for different reasons (not a wing) and just dog piled on at once. My DBS only made out alive because I kept popping chaff, rigged for silent running, and popped heat sinks as I boosted away furiously. That was fun. It was also danger that I signed up for.
So yes, please keep the good AI so everyone is challenged. However, not every fight needs be against these high ranking opponents/ships and repeated interdictions are just dumb. Or, as what happened to me last night, a large group of small ships attacking me... for 1 ton of crap cargo I forgot I picked up with the SRV.