Hello commander Hunterm101...
I am a busy man also, fulltime job and 3 kids...
I bought the game on 11.2.2015, Lifetime expansion pass on 2.9.2015...
I played usually about 3 days a week, 2-4 hours in the evening (after kids bedtime).
It took me over a year to get into Anaconda (almost never selling previous ships). It took me another 6 months to sit in a Corvette. I do not yet have rank for Cutter.
I confess, that I used mode switching for donation missions, later I used it for a while for conflict zone massacre missions stacking. But I didn`t "overuse" it and basically I stopped after reading these forums more, because many commanders consider this as "cheating". But I must say, that it has sped up my progress in rank grinding and credit grinding for the corvette quite a bit.
I took a break from Elite, because my gaming rig was a very weak one, I stopped enjoying the low fps. Now I have a VR ready highend machine, waiting for a good oculus rift buy... So my gaming sessions will soon return to my usual 2 hours after kids bedtime
I understand your desire to sit in your dream ship asap, but Elite is specific. It takes time and planning to achieve your goals. And truth is, that many commanders, who take beforehand shortcuts and exploits to get there asap, burn out and stop playing, which is a shame.
Take your time, enjoy the ride, work steadily towards your goals.
Good luck! Karlos