You do know that once you get started it's gonna be hard to stop?I'm totally gonna make a fun 'meme ship' at some point
Things were slightly harder when I started playing and I missed being able to afford some ships... Now a few years on and 'established' I'm having a ball 'going backwards' with ships!
Get the ships you want, git gud flying them, rake in credits, do the stuff that interests you. Then, when you fancy a change of pace build the Dolphin, or Viper IV tank, whatever you want, even if they don't do what you wanted, the chances are you'll be smiling anyway.