Just like you make your calls, the person also does. I also at some time flew an unshielded transporter. Not for long, as I don't like flying cargo ships, but the situation required it, and a few tons more of cargo space made the difference of flying the long distance once or twice. I knew I could avoid interdictions, I knew I would manage to dock without blowing myself up. I understood the remaining risks and accepted them. I did not loose the ship, nothing bad happened.
So according to you, I did it wrong. According to me, I did it just right, it saved me a lot of time. (Even if I'd lost the ship once or even twice, I would've lost less time than flying back and forth twice. )
As long as it's an informed decision, it's perfectly fine. Without having to fear player interdiction, you can get away with some things which could easily get you killed in open. As long as somebody is not randomly clicking his ship together but putting through into it and making his choices, it's not on me to tell him that he's doing it wrong. At least till he asks for help. Then and only then it's my time to point out potential flaws in his setup.
But I guess that's the difference in player philosophy. I think that everybody, as long as he has fun, can play the way he likes. Some people on this forum seem to rather believe that they know the one proper way of playing and anybody else is doing it wrong.