This doesn't seem like a good idea to me. If you were designing the game from scratch, it would probably be workable, but doing it now seems like it would upset a great many currently-well-balanced things, starting with the purpose of buying larger ships, which would lose most of their appeal. I think FD would need a whole new series of alpha and beta tests just to get the game back into a playable shape. Even then, with every single encounter a potentially deadly one against an unexpectedly much faster and better-armed opponent, it seems to me the game would be a lot less relaxed and fun than it is at present. If I take on a challenge and it goes pear-shaped, that's exciting. If I'm worried about every last currently-suicidal Sidewinder en route to a trade destination, that's just stressful. I wouldn't like that at all.
The idea of specialisations for different ships seems like a better idea to me. I read a suggestion that we might be getting Sidewinders on board Anaconda carriers at some point. I'd like to see that and other niche roles besides. Little fleets of mining Adders, survey Eagles, salvage Cobras and battlefield-repair Asps (all just for example) are something I think would add much to the game, without breaking anything already in place. I think I'd enjoy that.
The idea of specialisations for different ships seems like a better idea to me. I read a suggestion that we might be getting Sidewinders on board Anaconda carriers at some point. I'd like to see that and other niche roles besides. Little fleets of mining Adders, survey Eagles, salvage Cobras and battlefield-repair Asps (all just for example) are something I think would add much to the game, without breaking anything already in place. I think I'd enjoy that.