For 10 Mil you can kit up a pretty nice Courier.
I've been flying one the last few days as i think it fits pretty nicely into the 1.3 environment. It's great for running missions, a bit of smuggling, and with the strong shields it hold up well in combat as long as you don't try to punch too far above your weight class. It's quick and handles very nicely, quite responsive.
It does take a bit of getting used to the hoola whoops that reinforce the canopy, but flying it for a bit does make those a bit more tolerable. Too bad - I really thought FD had a chance with this to make it F-16 like with the design. Both the hoola hoops and the way the front rises detract from what otherwise would have been a truly "stellar" design. That and I can't help but see a Walrus on the beach with it's flippers out from behind when I look at the ship display on the hud.
On balance, though, it's a really nice, fun ride and can do lot well in the current environment. I'm pretty much a gimballed weapons fan as I think they give more hits on target, so I'll give a thumbs up on hard point placement as well. Not at all as severe as the Clipper, and with the center point on the nose, you could easily run a fixed weapon there if you like.
http://www.edshipyard.com/#/L=707,5Rr5Rr7OX0_g0_g0_g0_g,2-6Q4s4s1k4s3I5A,7Pc4zM03w03w03w2UI
Here's my basic load out. You can easily see how you can swap Cargo bays for interdictors or SCB's and sheild boosters for scanners, chaff, or HSL's. A lot of versatility.
HTH