Ship Builds & Load Outs How to minimise loss on selling a ship

I did a little experiment yesterday with selling a ship with and without equipment.

I discovered if you sell with equipment, you lose 10% on the value of the equipment - I know most people know this.

But the interesting bit was that if you sell or downgrade even below the level your ship came with. You get full value on even the equipment it came with and the 10% loss is only on what is left of the ship - even if it can barely fly.
 
I take it Trading-In is the same as Selling (minus the 10%). It's naff that the insurance is based on what you paid and not considering to bypass any discounts you found. It's a different Galaxy to where I'm from!
 
Quick note...

Don't repair your ship before selling it! I threw away 1.5mil on fixing my 96% Anaconda, with zero difference in sale price!

Also, in the past I always reverted the ship to the "stock" level before selling, but in the case of the Anaconda (or any large ship), you can get away with much cheaper modules that the baseline "E" (like power plant, distributor, shields, etc)

By the sounds of it, I pointlessly lost more than 3 million by baseline-equipping it and fixing it! :(
 
I can vouch that this technique definitely works, I use it all the time now:

Check your assets screen, make a note of your assets
Get to a high tech system
E class all your non sellable modules at the lowest rating
Sell all sellable modules
Buy your new Ship. Do not buy any modules yet
Store old ship with its E class modules
In your new ship go to the shipyard screen and sell your old ship
Check your assets.

Loss should be minimal
 
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