I am not missing much. But if you know for fact your going to buy a small ship with LTI only to use it to CCU into another ship, I can easily buy a ship thats available today and have it "GIFTED" to you within 2 days.
I am willing to offer 5% off. We can use PayPal. I would not advise this if your just trying to buy a ship and keep it as is, because you can just buy it yourself, and "GIFT" it and such if you ever wanted to blackmarket sell it later etc.. however people who are upgrading, just for the LTI, get no benefit.
If someone wants a $350USD ship, then it stops there... I'm not going larger, and I do not plan on multiple purchases this way, just want to get that last 210$ spent on my dedicated Explorer account.