And for the ship itself...?
The ship itself has a 3 mil rebuy which is negated when using the single deployable hull you get from purchasing it with arx. The next ship you buy obtains a 3mil rebuy cost from the hull of the ship. The modules themselves have a rebuy of 2x that so its not as if anyone is skirting the insurance cost either way, you still pay a rebuy cost. No one is going to stay in an E rated ship to keep a 0cr rebuy when 6-7 mil is such a negligible amount. If you want to pretend that it isn't and that there is someone out there who will stay in a stock ship to skirt a 6-7 mil insurance cost (which is on the high end, using prismatics and military armor) then go right ahead and continue making up scenarios in your head to be mad about. No one is avoiding having to pay insurance here. We have already received free ships in the past from events, that also have no rebuy on the hull. People raged at that too, while either intentionally or unintentionally not understanding how rebuy worked and what added to the cost of it.
You can add about 1 mil to the rebuy cost of the hull itself due to an error on the site right now pricing the ship 10 mil lower than it is in game. The rebuy cost of outfitting the ship easily adds double the cost of the ship itself.
You accuse me of wanting the Mk2 for lack of rebuy money. This is not the case. To continue on making the point that the ship itself carries a portion of the rebuy is feigning ignorance of how insurance works in this game. Purchasing a Mk2 for the purpose of avoiding a rebuy cost would require one to leave the modules in it as is, which would be gimping yourself quite a lot to save a negligible amount of money and would make zero sense for anyone with knowledge of this game, how to make credits, and any amount of hours spent in game over 100.
