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Originally Posted by AlexanderHowl
I would reduce Handling and HT by one for every 50% above optimal load (representing the inability of the ship to maneuver in the case of the former and the strain on the structural elements of the ship in the case of the latter).
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Seems fair. You should also reduce acceleration and delta-vee in due proportion.
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In addition, I would also have the ship start suffering damage to the structural elements buckling under the strain if mass exceeds optimal load by more than 100% (10% of HP per month of acceleration for 101%-200%, 10% of HP per week of acceleration for 201%-300%, and 10% of HP per day of acceleration for 301%+).
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I would not do that, because the stress on a ship in space consists of the thrust of its motors. Overloading a ship will not increase the thrust of its motors and therefore will not increase the stress on the structure. there is no increase in weight where there is no weight.