Imho if you are owning the BMM your gameplay is kind of fixed, because this is no simple hauler - its more the philosophical paragon of a tradesman. As the name says it, a merchantman. So in my opinion its not the question of getting or not getting a BMM but more a question of what gameplay do I intend to do? Am I a salesman, a trader? Or am I an exploration guy who sometimes needs to do some cargo runs for pimping the banking account?
Thats the reason why I have not bought the BMM. She is impressive, without any question, and I'm very looking forward to hop in for a fun ride. But it fits not into my gameplay interests.
Hopefully, that these thoughts are helping you with regards to your decision "Terrapin or not Terrapin", dear
@Blind Owl