Best advice I can give is have something that allows you to play the game the way you want in each aspect. if you are uncertain about something being enjoyed there is a group of people out there who will take you out to do it in one of their ships and you can easily try it and see then.
Remember EVERYTHING is acquirable in game so if you pledge for ships now make sure its exactly what you want. If it is iffy at all don't buy it now unless you have money laying around you don't know what to do with. or you can give me that money lol. i know what to do with it. :P
The list you gave in the top of the 2nd page is a good list. covers your bases and allows you to be flexible in how you play the game.
Here is my list and my reasons for it. Maybe it can help you finalize what it is you want out of the game and thus the ships you get.
Carrack : Exploration is my focus. As such the king daddy of exploration ships out right now is my main baby. have it with LTI so i don't have to worry much about replacing it when its lost. Also have close RL friends and many friends in Test who will be out crewing it for me when we are all exploring in the black.
Terrapin: Again exploration focused. LTI because I intend to use this not only for my own exploration alone or with a friend but as a scout ship/command ship for PvP.
Dragonfly: my utility ship I can bring with me in my Carrack to add another vehicle to what I bring with me. Also great for quickly getting around the ground or from one side of a station to the other from the outside. LTI so it can be thrown away as needed and replaced.
Hurricane: alpha PvP. And my main PvP ship. basically my favorite design out of the current fighters and the ability to bring a friend helps as well. Also LTI so i don't worry about replacing it.
Prospector: My chosen money making field. The way I see it the most reliable source of income will be mining or cargo hauling I chose mining. LTI so if its lost i can get it back without having to worry about it and even starting back from scratch I have a way to make good money easily.
Yes when the game is released ill end up with a Hull ship, more fighters than just the hurricane and likely several other ships as need of them arises. We will likely pvp with more than just hurricanes someday I may buy a Orion to use instead of my prospector. but I have all my bases covered.
- Lots of friends to play with regularly allowing me to get a use out of a ship like the Carrack.
- Exploration focused ship since that is what I want the most out of this game having the Terrapin.
- A pvp ship since I know i will be doing that regularly as well.
- Source of income that can be predictable and steady.
Really I dont need anything ells besides that.