Load out appears to be everything in fdl.
Loadout is everything in every ship.
Lots of people advising on load out for an FDL. Not really the point! The mission is rated for a novice. It should be completeable in an eagle or viper. No matter how good or bad the AI a python, vulture and viper is not completeable by a novice in a vulture.
An actual combat pilot who can afford a Vulture is not actually a novice, irrespective of their farmhard rank.
Yep, I think the issue is the FDL.
It's not.
Why would you want to send a novice to do a professionals job, especially when that job is murder? In realistic terms, that's only going to annoy the target more and cause trouble for whomever put up the job.
"Ok, little sidewinder guy, you've got the job. Just don't tell 'em Al sent you. I'm sure you'll do fine... <cough>. Off you go now ya little rapscallion <wink>".
Plenty of novice professionals out there, and plenty of expert amateurs.
Regardless, you don't have to pay them if they fail, so setting a low rank requirement could easily pay off. Quantity has a quality all it's own.