I think only the net changes made when you leave the shipyard should cost money. You would enter the shipyard with X credits, and leave with X-what you decided to buy. In between, you should be able to do whatever you want as far as different ships/guns, and have it just tell you what the cost is, like the armor screen is now.
So you can at least see what gun combinations fit, how much ammo you have, etc.
Heh, the car dealership analogy is flawed, I can test drive every car on the lot before I spend a dime. No test drives in NF :D
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