First of all you have nowhere the cash for a python. That will take around 150M to fully equip plus cargo and rebuy cushion. An FDL on the other hand Will take about 78M to get it fully upgraded. But, it all comes down to what you want to use it for. The Python can carry as much cargo as a t7 and can land at outposts, and can handle a fight, but your rebuy will be way higher than the t7. If you want to be able trade and or fight the python is a viable option. The FDL, on the other hand, is a pure combat ship and excels at it. It can mass lock everything except another FDL or conda. If you are looking at combat only that is your ship ---rebuy is also high. Of course the vulture is a much cheaper combat ship that can kill npc elite anacondas with ease, but the FDL might be more fun to use
You have enough right now to get a vulture fully equiped and keep your t7. You can earn as much as trading in the t7 at a good Res site, as long as you don't hit an asteroid ---don't ask me how I know that
Have fun what ever you choose, and keep in mind what ever you do it is not final ---you can always change your mind ant trade whatever kip you get for the other