I came very close to losing my Minaconda a couple of days ago to an Elite Dropship and friends - got me down to 13% hull, canopy blown, thrusters dead (had to reboot to get them to work enough to get me to a landing site - and landing on planets without thrusters is an interesting challenge).
It'd be around a 7.5 mill rebuy - I know that doesn't sound much compared to some, but I got to Combat Elite a few weeks ago with only 6 rebuys totalling 684,629... so every time I fly even a single mistake will cost 10x my lifetime rebuys to date!