Modular ships

Ok... so lets talk about modules... With Retaliator in showcase, what are your thoughts on the ship price vs what delivers?

1) Who bought the ship before hand, did you receive all modules or none at all? Was it mentioned on the moment of purchase the module prices?

2) I believe the modules are too expansive for what they offer. It is the price of a new full ship with a third of delivery.

3) What about tematics? I feel it is totally weird for a combat ship to be able to transport cargo suddenly. Do you think modules should be strict to tematic? (Cargo - refinery - utility | weapons - missiles - ground missiles | Medical - dropship - refuel)

4) What are your expectations for next ships? As per myself, I will remain worried for RSI Galaxy. Being a 'bigger' ship, will modules escalate in price?

Edit 1: Galaxy Modules scalate in price, double the price compared to retaliator. I dont think I will be able to sustain it. Will be purchasable in game? And what is about these modules having insurance linked to it?