Besides playing as an explorer, I also play as a survivalist.
Would like the option to pay off my 5 insurance claims I got back in 3301. Just vanity and obsession on my part, really, but all the same.
With that though, upon losing a ship, I would like the option to pay for its replacement in full instead of taking the insurance. The game seems rather easy to me in general, at least for someone who plays as I do, not carelessly throwing away ships and the like, and this would add a more "hardcore" element to it, even if all it amounts to is the chance of losing a few more credits for cosmetic UI placation.
It seems rather unlikely we'll be getting an actual hardcore/ironman mode at this point.