... You might get it. And boy, did I ever get it.
After much shagrin to make spacecraft available to intersted private citizens it has finally come to pass. The appropriate laws were issued and regulations were changed. I was one of the first owners and captains of one of these new means of private transportation. The great thing about it, at first, instant departure.
The first shock came later, when I passed my first jump gate and was presented with a fuel bill of over 11,000 credits for a little over 1.4 grams of fuel. Turns out that fuel prices vary from station to station and you best know them before you refuel. Tau Station itself has by far the lowest price in the Sol System.
But refueling also takes time, I had to wait over 40 segments for 1.6 grams. And it's dangerous anti-matter business, so no hiding out in your ship. During the refueling I could have made several tours of all the Sol stations with public shuttles. Or I could have spent some bonds to motivate the refueling techs.
Next thing is space damage (not the normal wear and tear from flying) by colliding with whatever else zips or floats around the ether. Once you have it, your ship cannot fly anywhere until you repaired it yourself. That took a whopping projected 70 segments, so I hired a few mechanics to speed it up. Sadly, even with the help of half a dozen mechanics, the whole repair process demands your constant presence at the docks, which effectively turns it into jail for the duration of the repair. There's not even enough time off to read a book. I wish there was also a mechanic foreman I could hire to oversee the whole repair process.
According to my calculations it is slightly cheaper to fly around Sol than to use the public shuttle, but only if you refuel at Tau Station. Crossing the jump gates actually is more expensive in my own ship, the consumed fuel costs 355 credits more than the shuttle ticket, and it takes about two segments longer.
So to all potential captains, be wary of all the money and especially of all the time a ship is going to cost you. We should also be happy that due to some administrative oversight the required uni courses for the Razorback are not available at this moment. I have a sneaking suspicion that the cost/benefit ratio for that ship might come off much worse than for the private shuttle.
Just count your blessings and think long and hard if you really need your own ship right now. The only discernible (positive?) effect is that it might cause ship envy with others.