Not very helpful buddy.
The game should cater for both those that are hardcore players and those with limit gaming hours. I am more the latter myself at the moment, and do feel its a bit of a gap between those high tier ships and those low tier ships. I feel the same as the OP that I might never get to these, but doesn't stop me from enjoying the time. The game shouldn't been seen as 'well I can't get that ship so I wont have fun'. Bigger ship doesn't mean more fun, neither does more credits. To put it another way, even though I might drive a '63 VW Beetle doesn't mean I don't enjoying driving... but also doesn't stop me from dreaming of a Porsche lol
you'll find -- as I have -- that there's a few of people in here that are really unhelpful, and take the game (yes, it's a game) way, way too seriously.
For the most part , though, a lot of people here are extremely helpful. I just started the game last week, and have increased my skills dramatically based mostly on the advice I've gotten from here. I'd just ignore the haters if I were you.
I think you should try and look at this game a little differently. I, like you, don't have a ton of time for this game (job and family... go figure). I think of this game more as a farming game, like the famville on android. I play a few hours a week, and in a few weeks save up enough for an upgrade. If I want instant gratification, I drop out and play Mech warrior (which is also great in it's own right, but doesn't have the long term feel that this game has).
anyway, if you're looking for this game to give you short term gratification, I think you're going to be disappointed. The game really isn't designed for that perspective.