Ill say this about the insurance. It's rather complicated. Most ships that are being sold come with X number of months of free insurance. In some cases LTI (life time insurance) is included in special packages or ships just being released as concepts. It is possible to move LTI from a cheaper ship to a more expensive one, using the upgrade system. You basicly buy a cheap ship that comes with LTI (like the Argo Cargo), then upgrade to a more expensive one.
I wouldn't worry super much. LTI does save some ingame cash, but you will be able to buy insurance in game when its released, and it will be afordable. Insurance time wont start till then.
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