...and to continue that train of thought. The main reason between the t7 and the Clipper is running costs.
The clipper is in every way better. Except, it costs at least $5k per 1% hull damage. It has more cargo space (you have to downgrade your shields, which will up you chances of hull damage). It also has combat capability (you need turreted class 3 weapons). It's also really fast.
The t7 is a big, dumb ship. Imagine a cargo ship from Aliens. That's it. It flies straight, has zero combat ability. It even has less cargo than the clipper. BUT, it is like battlestar galactica. It can take some serious damage to its hull and the repair bill will be less than $10k. I mean $10k for 50% hull damage. A clipper will cost you about $250k for 50% hull damage.
The difference is luxury vs economy. The main thing you need money for is to upgrade cargo bays (duh) and frameshift drives to get you to your desired trade location. *note* You don't need an 'A' drive off the bat. It helps, but you can pretty much get anywhere in the core worlds without an A drive.