If you start working towards it, I believe a Living Ship can be obtained in a week at the fastest. They’re not great for S-rank ships, but they do have massive inventories and are very cheap to run. Meanwhile, if you save up, grab the first Exotic you like, since they’re essentially the baseline “high average” you measure every other ship against. Interceptors can be acquired for “free” by locating one and doing a short fetch quest.
Also, once you’re deep into the game and can afford to class-up a ship, finding any C-class ship and upclassing it makes it the best ship, so hang on to anything you like the look of. Credits also become trivial once you can make agricultural operations and break open depots, which opens up the process of buying and scrapping Vy’keen fighters for nanites and inventory expansions.
Mechanical spoilers for ideas on saving up for your first Exotic:
spoiler
There’s a few money makers you have access to early. Salvaging crashed Haulers in 3* economy Gek systems is extremely fast and will get you an Exotic in no time, but salvaging ships anywhere will work well. Raiding Supply Depots and crafting the loot up into higher-value trade goods is a moderate all-rounder farm. Setting up an agricultural project in a base is also good, either use it to support crafting or just grow cash crops directly. Finally if you want to venture into civilisation space, there are player farms around; ones specialising in illegal goods are a decent way of getting initial funds.
Happened twice, both to my #1 games. Tried Chrono Trigger as a kid and didn’t like it, then came back and played it as a young adult and was like… damn… this is an actual treasure.
In 2015 I tried FFXI due to the XIV crossover event, and I could not get past the eccentric and clunky UI and the pacing of the combat. I tried again a couple of years later and committed to finishing all the stories. It became my new #1 and I think genuinely one of the best games ever made, in terms of revealing and pushing the artistic potential of online games, and games in general. Actual masterpiece and a massive innovation, and unlike Chrono Trigger I think the lessons are going to be a lot harder to learn and replicate.