ill guess it is ok to make the house low lvl NPC a lvl higher, so liberty defender goes bretonia lvl, bretonia goes Kusari lvl and Kusari to same as rheinland, the same for pirates, but maybe change the start money to 100k, so you can buy a better ship then a CSV,
Two things are infinite: the universe and human stupidity; and I'm not sure about the universe; Einstein Albert.