For the most part, I play Freelancer solo, so how do I not get stuck with a Startracker and a Justice Mk. I gun? The bots are already difficult to kill as it is, and I can't kill them with what is basically bug bites... Well, I have done so, but it takes an agonizingly long time. And that's just with one measly Pirate light fighter. Don't even get me started with anything more than that. I still haven't been able to complete a single mission before I am destroyed/bored to death.
So I need to adjust the starting credits like you could in 1.85, or else Singleplayer is just plain unplayable.