I like this idea very much!
Lately I'm sold to a very similar idea: pre-build engineered ships as reward for certain difficult tasks (as a reward for certain tip-off missions for instance). These ships would belong to you but can't be insured. Once they blow up they are gone. These 'temporary' ships could also serve as a reward for certain PvP achievements like, say, after killing a number of players and /or players killed above your rating.
So far nobody seems to like this idea. Really? [where is it]
Thank you for reading. It seems this idea does not get very much attention. Maybe it's slightly off-topic.
Still - having pre-generated engineered ships as reward or as option to go with for some missions, would level the playing field somewhat I think. Beginners as well as veterans could profit from a mission giving a pre-engineered ship to go with for the mission, if they have arrived at the system with a ship not adequate for the mission in question.
I also like the "non-insurance-one-life-only" approach for those rental ships.
I personally disliked Engineers from the beginning but went through the grind never the less - because, well I wanted to stay competitive. Pre-Engineered ships would take the pressure out for Commanders like me, who want to fly a competitive ship, in critical situations, but are more casual in day-to-day gaming.
Fly engaged. Stay entertained. And don't let anyone bring you down.