I mean, the largest transport /edit/ that a freelancer or merc can use/edit /costs more than every single gunboat cheaper than 41 million, leaving only the large gunboats more expensive:
Imperator Perilous (Council)
Ahoudori
Hathor
Rheinland Gunboat
Bretonia Gunboat
And besides, the factions that actually sell their ones openly are generally the only ones Neutral parties would get their hands on.
And thats not mentioning the High cost transports like the Kusari Liner or Luxury Yacht.
And don't forget that now a number of Gunboat turrets are cheaper than the Transport variants, meaning its possible to outfit one for less than it takes to outfit a transport. And gunboat crews would be pretty similar in number to transport crews
Edit note: Forgot a few words, completely changed the context of the first line.