Don't be. The payoff is much more than the cost, see below. (well, not sure if you decide to use an Anaconda for exploring, but that would probably be a silly idea).
And don't worry about reaching 100% W&T. Devs have stated it only reduces hull strength and perhaps (not sure) a bit of performance. Its not like you blow up when you reach 100%. How do you think people have reached the core?
@OP -
Not really a good opening to a question is it? What, you think they really didn't put any thought into it? Of course they did. However, they could have got it wrong, or maybe they are perfectly happy with it and its you who just doesn't like it. Hell, you should have seen it back in Gamma. For a week or two the cost of W&T was insane and went up rapidly. Now its quite sane, although i believe the devs have said there is still going to be some tweaking here after owners of larger ships were a bit horrified by the costs.
And just a recommendation for you. In future, when posting an opinion, just remember, there is no need to be insulting to the devs or anyone. Just state what you view as the problem and offer a solution. Its much more likely to get a positive response from the devs.