I play the game as a survivalist as it is anyway. I have 5 ship losses total and none since 3301. I do have a Python (I originally got it for the Repair Jaques Station CG), but much prefer using small ships in the game for their handling. My main ship,
The Ronin, is a combat capable Vulture explorer.
Earlier on having an "ironman" mode was something I very much wanted as well, but this late in development and with the modes the game already has and its P2P multiplayer, I don't think it's likely at all that we'll see it implemented. I wouldn't likely clear my Commander save at this point either. I suppose an additional ironman mode might be an option if they also start selling additional Commander saves per account, but again, it doesn't seem very likely.
I would certainly like being able to pay off and remove my insurance claims if given the option though. Ship losses are too inconsequential in this game in my opinion.