So, as far as goals go, these are fine, but an FC isn't going to help much with either of them, which is why i asked.
There's plenty of ways to make more money than an FC can... an FC definitely opens up more opportunities to make money, but take missions for an example... you can't load your FC up with mission cargo and run them all out of that. You can only ship it as per the mission needs in a normal ship.
Meanwhile, the utility of FCs for Maelstroms and the Thargoid war is about sustaining fighting ships in the front line. You're self- professed not a combat person, which is fine, but if your goal is you want to explore maelstroms etc rather than fight the war, an FC is not a big game changer compared to your requirements for engineering and tech broker stuff. I personally happily do everything with just a ship, with no notable impact due to no FC access.
There'd be more benefit to taking time to learn money making with ships first, and to do all the engineering/TB unlocks to build the ship you need for Maelstroms and then reassessing whether you need an FC or not.