But hey. Most importantly - fly what you like. Life isn't about efficiency. 
98 million will get you a fully-armed and A-rated Python, with the exception of B-rated thrusters. That's with a 5A shield generator. You can make the 10 million extra credits to A rate the thrusters in an hour or so after that, if you know where to pick up the missions, which, ironically, most often spawn where the T7 can't go - at extraction and refinery outposts.You are still forgetting the budget. At 100M you have a D-rated Python at best, while T7 you can trick out pretty nicely. And I don't know why you think T7 would be less survivable. It has way more armour than a Python, both HP-wise and when comes to the hardness values. (shields don't count either way because you're equipping the smallest ones possible)
98 million will get you a fully-armed and A-rated Python, with the exception of B-rated thrusters. That's with a 5A shield generator. You can make the 10 million extra credits to A rate the thrusters in an hour or so after that, if you know where to pick up the missions, which, ironically, most often spawn where the T7 can't go - at extraction and refinery outposts.
Link.
*edit*
It will be even cheaper in a Li Yong-Rui system, such as Diaguandri - you could build a fully A-rate Python for under 100 million.
I managed an hour in a CNB last night and finally made the jump from 87% Expert to 1% Master, I can tell that last jump to Elite is going to require an epic number of kills when I get there one day.
Tomorrow I’ve got an entire day off for the first time in weeks, my wife who’s a teacher and on her school holidays is away for the day so I’ve got a whole day of ED planned. I could go out, you know....actually do something but instead I’m going to lose myself in the Pleiades trading or log on to my explorer account and find the Gnossis if I haven’t missed it. I may dust off my Courier and do a little space jousting too....or push off in my space-lab Krait and do some investigations into the Guardians and their foes.
Maybe I’ll spend some of tomorrow mulling over whether this game has turned me into a friendless saddo, or if I was one in the first place![]()
With my main account... Just maxed out fed rep..
Just about to hit empire space to do the same with them (currently 38% into Duke)
My second account is still doing the triple elite in sidewinder...
Elite in both exploration and trade, grinding in the hires (65% expert) so still a couple of thousand left to kill.
That's some *serious* gaming, fellah!
Coherently drawing a 10kly long letter 'C' on the galaxy as my small contribution to Cmdr Malibu's epic endeavour ...
https://forums.frontier.co.uk/showt...l-Rats-logo-on-the-galaxy-!-I-need-your-help-!
P.S. there's a similar thread to this one over here: https://forums.frontier.co.uk/showthread.php/347694-What-have-you-achieved-in-the-last-24-hours
Currently drawing a 10kly long letter 'C' on the galaxy as my small contribution to Cmdr Malibu's epic endeavour ...
https://forums.frontier.co.uk/showt...l-Rats-logo-on-the-galaxy-!-I-need-your-help-!
P.S. there's a similar thread to this one over here: https://forums.frontier.co.uk/showthread.php/347694-What-have-you-achieved-in-the-last-24-hours
I assumed you’d already completed the A, L and E until I clicked on the link.
Hahah! My thoughts exactly. I didn't know about this endeavour at all. My solitary style of gameplay certainly robs me of some fun, lately.
To be fair practically all of my gameplay is solitary too (even Buckyball Racing). I connect with people on forums or Discord and join in with stuff like this (and I play in Open) but in-game I'm typically flying by myself. So don't let solitary gameplay rob you of community fun ... the two are not mutually exclusive.