Unfortunately even deselecting the mods doesn't reduce the price enough, still in the red... Sidewinder is the only option.
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TBH, I had no idea about the insurance not being sufficient for a rebuy, you'd think that you'd go into debt until it was paid off. Never been in that situation before.
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Stuck with the Sidewinder hundreds of lightyears from where you were is not very fun. I do have a Vulture parked a long way off, but I'll need to find a way to get to it, obviously this Sidewinder doesn't have the range for some of the jumps, no clear path.
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I dunno, I'm pretty devastated right now. I'm not a hard-core player like some here, still trying to wrap my head around the Engineers upgrades... only managed 1 mod to my Python in all that time, couldn't find the resources needed for any upgrades, unlike some of you that have done heaps.
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I just don't understand how a Conda can still get pawned by 2 cobras and a viper. I thought they removed the subsystem attacks... I swear they took out my power plant or distributor straight away, I had no chance of jumping out of there in time.
Might have to hang up the boots for a while I think... too angry right now... this game likes to kick you in the nuts with a baseball bat when you do something silly. Not very forgiving. Can't believe 18 months of playing is virtually down the tube. [ugh]
To be fair, that is not true at all. If you dont have the money, you do go into debt. But that has a limit, otherwise death would become totally meaningless once you've got whatever ship you want. It is very clearly explained in the manual. As for how you can lose a ship, depends on your build. This isnt WoW where a high-end ship is immune to cheaper ships. Check the basic stats: https://coriolis.io/outfit/anaconda
Its a huge ship, impossible to hit, with shields akin to a Vulture and less than 1000 armor. Three ships is 12(!) hardpoints aimed at you, almost all of them hitting you non-stop. A conda without heavy upgrades is essentially a tradeship.
Anyway, for 300k or so you have a hauler that jumps 30LY. Get the Vulture and you have a Python in a no=time. Then when you get to the conda, come here and ask for help giving it a proper loadout. Also, as said, the 18 months are not down the tube. Credits are increasingly easy to get, rep and rank is not. I'd much rather lose all my ships and credits than all my rank and rep!
Good luck.