You don't need an Elite pilot to fly with one.
Perfectly capable pilots are available for hire, and you can dismiss them to save money whenever you turn in something.
Elite is, well, "Elite". They should require work, and death should hold some form of actual consequence for you.
Just like you don't need a fully engineered modules. Definitely, we don't. But for the SLF to be worth using in a fight, the pilot does need to be at least dangerous. Otherwise it is better to have extra SCBs or whatever.