Re: How to handle ship ownership?
Normally, it's financed and the players have monthly payments to make. Or they take it from bad guys.
The most interesting approach I've had was when one of the player characters was the ship. He was an IA in a nearly fully-automated ship, with Payload for the other PCs to hitch a ride. He could teleoperate little drones/robots to go with the rest of the group on other missions as direct support, but mainly his role was hacker/researcher/coms (and I guess wheelman).
I don't remember how many points that character was and no longer have the character sheet, but it was a fairly high-level game the character joined into. I'm guessing around the 500 ballpark.
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