Why the "Never fly without rebuy" mantra is flawed

IDK, I must be nutso...every ship I've gotten...all the way up to clipper...I've purchased with only a few thousand to spare.

You are, but I am sure it makes it more exciting! When we get save slots, I am very tempted to have an ironman one, for similar reasons.
 
If you could annihilate ANY risk, the game would become boring. So it's good to have reasonable security, but it's also good that bad things can happen.
 
It's a common refrain (and extremely good advice) to "never fly without insurance", but after pondering the game mechanics for a little while, I've come to the realization that the premise suffers from a rather significant flaw.

It's entirely possible to find yourself without insurance buyback and facing potential bankruptcy through no significant fault of your own, and this scenario surprisingly requires no torturous logical corkscrews or hugely unlikely "what-if" scenarios.

I was sitting on an out post dock yesterday looking over my finances; I recently purchased the A-rated thrusters for my python and had enough in the bank (about 9 million) for a rebuy + cargo. Not bad, right.

So I take off, and I'm interdicted by a pirate. As I'm fighting the interdiction (I won, handily), the thought occured to me that sure, I have a rebuy, but if I lost this fight, I'd be stuck at an outpost with no shipyard, no outfitting, and no way to NOT risk my entire ED progress so far by flying 90m worth of hardware uninsured. I'd respawn in my python at a dock with no way to sell fittings for cash, no way to sell python and downgrade to asp, no way to do anything but hope for the best.

The obvious retort to my predicament is "You need more money", but this is an unpredictable game; it's impossible to say "Oh, three rebuys is sufficient" because sometimes you can be quite unlucky.

And, to be honest, I'm not entirely sure what my point here is, other than as a warning that having rebuy money, or 2x rebuy money, or 3x rebuy money is not necessarily a guarantee. Or maybe it's always dock somewhere there's an outfitter or a shipyard? I don't know. In fact, maybe this entire argument is flawed, do you respawn at outposts when you die? Or does it respawn you at the last large station? I can't recall ever respawning at an outpost, but I'm hardly ever AT outposts, so that might not mean anything.

they're not going to change it, and you wont get you're way. just deal with it, have enough for insurance!
 
I'm not entirely sure what my point here is, other than as a warning that having rebuy money, or 2x rebuy money, or 3x rebuy money is not necessarily a guarantee.

The only things guaranteed in ED are death and interdictions.

- - - - - Additional Content Posted / Auto Merge - - - - -

Dont fly without insurance

...unless you are willing to risk losing the ship and cargo and end up in a Sidey again.
 
Is the answer to not visit secluded outposts without outfitting/etc if you only have 1x insurance?

Personally, I am particularly cautious when running it close to the mark and wouldn't venture into unfamiliar territory (or any risky spots) if I had 1x insurance or thereabouts.
 
It's just a quick mantra, nothing worth over analyzing...

Go with 2x (rebuy + full palladium cargo) as bare minimum.
 
Backup ship. I have a T9 that gives me 2.4mil in an hour, but I fly a Python. If something goes wrong, back to trade grinding !
 
But.. you can have 3x or 4x insurance and still "lose". I've had two successive accidents which literally brought me down to a mad dash run with downgrading at the far end to get me above the threshold. OK, it's been done to death, but this is the reality:
11MCr ship. 1MCr in the bank.
Bang.
11MCr ship. 450KCr in the bank.
Bang.
11MCr ship. 100KCr loan. 0Cr in the bank.
Bang.
Sidewinder.
Even at the last step, I was worth 10.9MCr. If I was stuck in a set of Anarchies and couldn't get away to "safe" systems, then this is a possible reality.
I'd rather see something that allowed that 10.9MCr to be leveraged at death, even if it was a floating Shipyard screen which let me buy a Vulture and do some basic outfitting. Going from 11MCr to flat zero isn't "insurance" really. It's not the way a standard policy excess would work IRL. The value of the ship that I had is worthless if I lose a lot of cash through insurance in a short space of time where I can't rebuild it. I know it's "Dangerous", but it feels vaguely wrong to me somehow...

An interesting point brought up, and as to the above quote I agree that the option to sell the ship you crashed seems more logical than just giving it up. There was a poster a few weeks ago who lost his ship when his S/O got click-happy on the death screen, despite having plenty of cash for the rebuy. Why is there an option to just walk away from the ship entirely? 100m ship, lets say 5m rebuy cost... Do we sell it for 95m? Naaaah, let's send her off to the scrap heap instead.

However, I also agree that some things are dangerous, and should remain dangerous. I don't need all the corners padded, thank you. The odds of 4 incidents in a row with no personal culpability ("but I shouldn't HAVE to go solo!") are too remote to require code. If it happens, you've had really bad luck but it's all part of the game.
 
Ok, so I'm a bit manic. I always have at the very least x5 rebuy on hand. Always. A x1 rebuy isn't ever a good idea. In fact, it's just not a good to push yourself to the limits financially. You should be able to fail a few times and have very little lost.

Thing is, this is how real life is. Do you save up to have a safety cushion, or do you live in the moment and have next to nothing in the bank at any given time?

Be careful. That's what we should be stressing here. Always fly with rebuy, but by the same token, it's not a bad idea to make sure you've got shields, and maybe a mine launcher? They made good deterrents when I traded in a T6. Also, they're a good way to fake out Pirates. I actually had a guy try to scoop them up xD
 
Personally, I would like a system where if you can't afford the rebuy cost, you are put into a stock Sidewinder and the insurance company keeps your old ship in limbo indefinitely until you pay off the rebuy cost in order to gain it back. That way, you never actually lose your progress, but it would still bite hard to have your strongest asset not available in order to make the money - it would still be good advice to fly only with enough money for the rebuy cost, but one unlucky streak can't erase weeks or months of progress.
 
I've said it before and I will say it again

1. No limit on rebuy loan
2. 10% interest on the loan
3. If total loan exceeds value of ship being rebought, then it is bankruptcy time and ship is sold.
 
OP has an interesting point.

But to be blunt and not aimed at OP but just in general : if you die multiple times in a row and get yourself busted down to a sidewinder... you probably should spend some time in that sidewinder and ... learn. To. Fly.

I also think that when on the insurance screen you might want to consider options carefully, as has been suggested and actually take the loss, settle back into an affordable ship and build yourself back up again into a position of financial support. These consequences are there to make you a better pilot.
 
I enjoy flying a clipper. I enjoy flying a sidewinder. I don't always fly with insurance, and only very rarely fly with more than 2x rebuy unless I'm saving for something bigger. You never lose everything in this game - you keep your pilots rating, your naval ranks, any spare ships you keep lying around, etc. Understand the risks, don't be tied down by them - it's just a game, I try to have some fun with it :)
 
I enjoy flying a clipper. I enjoy flying a sidewinder. I don't always fly with insurance, and only very rarely fly with more than 2x rebuy unless I'm saving for something bigger. You never lose everything in this game - you keep your pilots rating, your naval ranks, any spare ships you keep lying around, etc. Understand the risks, don't be tied down by them - it's just a game, I try to have some fun with it :)

Absolutely agree, the ONLY time I would be sure I had sufficient for rebuy is when I am undertaking something I consider risky. When I first got my python I went about 3 weeks with enough for insurance as I was constantly upgrading. I even tried a bit of combat (post nerf) and whilst it is a good mantra I play by another:

It's only a game
 
Umm... you crashed it. It blew up. It doesn't exist anymore. How exactly do you sell it?

True, true... But the rebuy is 5m, and the total value is 100m. Seems like "cash minus rebuy and depreciation" is reasonable in such a scenario. I mean, the insurance company will just keep buying new 100m cr ships provided you come up with the 5m, but if you don't its a COMPLETE write-off? Yeah, I guess that sounds like an insurance company after all :)
 
Stop it Stop it.

Its a simple question should I fly in ED without insurance?
In real life in drive my car without and its seems okay, in fact its cheaper. If I ever do get car insurance should I buy one or two policies, I thought this was a simulation it seems made up.
 
Back
Top Bottom