I'm flying a Terrapin (basically like a slightly souped-up Cobra Mk3), crippled with the Breakable 'Standard' Equipment OXPs but with a competent engineering team, and then fitted with almost every internally-mounted gadget in existence...
I quickly found that an energy recharge rate of 5 may be adequate for an iron ass but is manifestly insufficient for a pocket frigate, so I resisted the temptation of buying an uber ship and removed a lot of equipment instead.
My current game style involves mainly criss-crossing the charts following hits, military deployments, contracts, escort services, deliveries and destroying almost everything that has a bounty on it - except Black Monks Gunships

Asteroid-watching aside, my savings tend to climb steadily, a couple of Ks at a time, only to suffer catastrophic setbacks every time I miscalculate when to leave or get caught in an unfortunate crossfire.