As a Corvette pilot myself, I believe you are talking rubbish. The big 4 do require slightly different tactics but to claim that their purpose is to be 100% insulated from danger is just meta-sheep rubbish.Regardless of whether you engage NPC's or human's, the entire point for the Vette/Cutter pilot is to be 100% insulated from danger.
As for the "stacking", it is not restricted to the Corvette/Cutter but applies to ALL the big 4 and possibly some others too. It is not just restricted to the shields either. There are some legitimate non-combat reasons for some of the "excessive" stacking cases but that could be handled in other ways in theory.
FTR I normally do not stack more than two boosters/HRP on any ship (1 or 2 exceptions may have 4 shield boosters).
As for the OP's suggestions, I disagree with their general perspective and personal views wrt how to approach the perceived issues in play.