you have some valid points - but let me state some other ones....
- the luxory yacht is totally generic ( even lawful / unlawful ) - the kusari yacht is .... kusari
- i think the luxory yacht has more armour ( 170k vs. 75k )
- 2 CMs do make a difference - not a huge one, but it does
so - generic ships suffer from being generic - compared to factionized ships. - the yacht is fully defensive and really more a smuggler / RP ship. - the kusari yacht is more a transport, and yes... its size / agility might be a bit too great + maybe the CD is too much... .