And about piracy... It's up to you basically. The usual amount for normal cargo is up to ~2 million, for ore about 5 million;)
And... First character a Brigand? Ever considered joining a Brigand faction? (Not official yet) If interested, here's the official request (currently put on hold because of current lack of members): http://discoverygc.com/forums/index.php?showtopic=50814