If you haven't unlocked Engineers (and a few Powerplay goodies and Guardian grave robbing), you won't get a good combat ship
Ok, seriously? For unlocking the engineers, you won't need a combat ship - you'll need a multirole at least, since most engineers require something different than combat, and a few will require you to travel around a bit, with or without cargo.
My current "go anywhere, do anything" ship is a Krait Mk.II.
One possible loadout - but I tend to switch them around. More shields for combat, the FSD booster and fuel scoop for long range, cargo rack and limpets for collecting mats or specific missions.
If I cut her down to "no engineering or special modules", let's see what we get. Not really bad, but also nothing I'd use to travel around unlocking Engineers.
Ok, different option.
1) Since you have the money, no need to do a R2R. So get a
DBX and do the Pleiades trip to unlock Felicity.
2) With Felicity unlocked, you could get a
Vulture set up for (local range - but that's the same with all the fighters, no legs) Bounty Hunting. If you want to use gimbals, it's up to you. If you want to use energy weapons, you'll have to compromise somewhere else, as the Vulture is a bit power starved otherwise. Keep the DBX, though - you'll need a cargo ship for a few more of the first tier engineers.
3) Unlock the remainig
first tier engineers.
4) With them unlocked, you should have everyone you need to make a first stab at the above Krait Mk.II. Just upgrade everything as far as you want to go.