I recently made the same mistake many rookie traders do. I used most of my cash to buy cargo (full load of Paladium) and promptly crashed into a UI controlled ship while exiting the station. Upon going to rebuy my ship, there were options to remove internal equipment and weapons, but no option to downgrade them.
My ship was a fully equipped Asp with class B thrusters, FSD, etc. I was 50k credits short of being able to replace it after removing all cargo holds. Thankfully I still owned my Cobra Mk III and have worked my way back up to almost being able to afford a Lakon T6. I still miss the Asp.
My suggestion is to allow the option to downgrade equipment so the replacement cost is lower, OR, to give a future repurchase a discounted price. In my example I had the money to afford repurchase within a few hours. I also had ships stashed at various location whose sale would've financed rebuy.
Frawg
My ship was a fully equipped Asp with class B thrusters, FSD, etc. I was 50k credits short of being able to replace it after removing all cargo holds. Thankfully I still owned my Cobra Mk III and have worked my way back up to almost being able to afford a Lakon T6. I still miss the Asp.
My suggestion is to allow the option to downgrade equipment so the replacement cost is lower, OR, to give a future repurchase a discounted price. In my example I had the money to afford repurchase within a few hours. I also had ships stashed at various location whose sale would've financed rebuy.
Frawg