If we're going by a ship to use one you have around one million in assets? Cobra Mk III.
https://coriolis.edcd.io/outfit/cob...==.Aw1/kA==..EweloBhBGA2ECsICmBDA5gG2SGF9A===
You definitely want to fit a D-rated power plant & FSD. Thrusters are optional. Leaving them stock is fine. Same for life support and sensors.
If possible, up my rating for the PD. Especially if you want to do some bounty hunting. You need weapon power for that. If only trading/passengers, a D-rated PD is all you need.
D-rated shields. They're not much weaker than A-rated, and much lighter. 16t cargo. Size 4 business cabin. That's your money earning sorted through trade & passengers.
SRV hangar so you can do surface missions. Module protection & Hull reinforcement, because it WILL keep you alive. Highly recommend reinforced alloys if you can, whilst working under around a million credits.
Multicannons & pulse lasers, all gimballed. If you can handle fixed, use them. Big savings to be made. Chaff and point defence.
This ship can do a lot in this build. Just keep it light. Reconfigure & specialise at a later date, when you have a bigger balance.