All of the rewards people are paying for are only for the MMO server as well...due to the sheer amount of "paid for" permanently insured ships that must be out there by now, I'm not planning to play on the MMO server, but will look for community run servers. I get that they're saying it's not Pay to Win because you can earn the stuff in game, but if you can run a trade route faster then me on day 1 because of a ship you bought, in a dynamic economy with "pigeon drones" spreading the contract, you have effectively bought your way over me.
I'll most likely play single player until the private server portion is released. I spent the bare minimum to get alpha/beta access. I think I got the Scooty-Puff Jr. as a ship with it too, not sure.