Is the game gonna be p2w? Or is this stuff mostly cosmetic?
You can buy pretty much everything with IRL cash, ships, in-game credits, plots of land, bla bla bla, but according to many backers it's not pay to win, because there is no "winning" in SC.
I mean they are not exactly wrong. Game is based on systems rather than levels and such things. Money functions more like shortcut than direct power as things you buy aren't better than stuff you can buy in game. It is not like in some MMO where you can just buy extra lives or sword of truth and kill everyone.
It is still shit but less offensive shit than something like warframe, eve online and other "free" games.
The other factor is that they plan for SC to be 90% NPC and around 10% players. Players being part of the world rather on top of it like in other games. Which means that even if you have a whale that spends money like idiot the amount of power he can buy is miniscule.
In full game ships will not be "infinite". If you lose ship and it is without insurance ship is gone. People can buy something like LTI for real money which is life time insurance. Sounds like shit to me but it is not free respawn at will as insurance claim takes time, ship would also need to be produced in game so it is not exactly complete shit.
So far it is kind washed out. Yeah they take money but on other hand impact of it is rather minimal. I never felt that i was going uphill against someone who spent money.
How it will be in "full" version no one knows. CIG stated that players won't be able to buy ships in full game for money but who knows what they will do.
Currently ships cost imho ok in in gmae money. They are not cheap enough to buy best ship in a week but not expensive enough to not feel "progress". This is further complicated by fact that most of more expensive ships are multicrew ships that makes no sense to use alone as you will be using only 1/3 or even 1/20 of its features/functions/power alone.
Good example of it is Constelation. IT is effectively 3-4 player ship. 1 pilot, 1 scanning/shield, 1 missile operator + 1 fighter support if engineering ever gets finished add another person as mechanic. It costs like 5mln which is about a week of grinding for me in lower tier ships. With some heavy mining ship more like a day.
Another factor in this is that the bigger ship =/= better ship. Hammerhead which is like 15 000 000 heavy gunship with crew of at minimum 9 is pretty defenseless against heavy bombers but amazing against a lot of small/medium ships. It kind of works like real life where you don't want to send that Hammerhead without few other ships to fill their holes in defense/offense.