This.
If you "need" a 2nd account right now, you're at FDev's mercy so the smart thing to do is just keep your eyes open for sales and then snag a new account when FDev has the game discounted.
I decided to buy a 2nd account back in January.
Wasn't looking forward to "the grind" but unlocking engineers and Guardian tech turned out to be fairly trivial and I'm not in any rush to unlock fed/imp ships so the naval rank grind will take as long as it takes.
I am doing my sidewinder challenge on my second account...
So I have unlocked all the cool ships, running data missions works great in a Sidewinder. but since I only intend to use the Sidewinder for a really long time, this was just an easy unlock and to gain some required permits to later access the engineers, and took like 8 hours or so to complete.
Getting triple elite will take some time in a sidewinder...
Unlocking all the engineers in a sidewinder have proven to be a interesting challenge, one that I particularly is not look forward to is the mining challenge...
I have not yet considered the Tech broker stuff, but they can be really handy, but a bit limited in a Sidewinder.
Fun stuff you can with an alternate account.
To OP
These account gets on sale regularly, just keep your eyes open.
You will need TWO frontier accounts, so you need to have access to two e-mails, or use the gmail trick, other e-mail provides allows similar setups too.
In the launcher, you login with the desired account, so you do not have to have two copies of the games installed, works both with Steam version or FDev version. So even if you have bought the game on steam first and then bought a second copy using Frontier Store, you can login with the other account regardless of what game version you launch.
There should be plenty of post in this forum about people giving tips on how to use two account on the same PC.