I wouldn pay escort a 10 million, only to a gunboat. Really VHF or bomber cannot protect me from pirate pack, gunboat can at least somehow delay them.
And replenishing I can tell you - million max, not even that, mines do cost 420k and thats the biggest part of it, so no need for 10 millions.
This is exactly the non rp part. You grind money of escorting. Why not enjoy the fun of escorting? I would work for little cash, but who would hire me anyways...