You have? then we have thought along some similar lines for some timeI’ve not just considered these and other effects for years, but suggested them many times. “Shielded” is a worthless upgrade.
In an old RPG called Traveller we used to have scooping from Gas Giants and a risky scoop from small stars, with the hotter stars making it a potential death sentence, I often wondered why ED didn't do things this way as it would have made jumping to a new or unexplored system a real risk to be catered for, explorers would have to have extra shielding against the radiation and heat, often choosing between damaging their ship or flying out to a distant GG... but they didn't, and that's that really!