The problem is that your brain is scrambled by the shock of losing your ship when you're looking at the rebuy screen. Unless you're used to getting blown up several times a day, like in PvP, it's probably a good idea to go and get a cup of tea before tackling the rebuy screen.
They've made it a lot more foolproof now. generally, you only need to accept all the defaults on the screen - no need to tick or untick anything. The only way it can be improved now is if they have a confirmation screen that says something like, "You've selected to buy back your ship without the modules that were in it", "You've chosen to get your ship back exactly as it was" or You've chosen to abandon your ship and start again at Asellus Primus in the basic Sidewinder".
Maybe they always wanted it to be ambiguous and/or tricky to create more danger in the game.