Thats the best way and the way i'm doing it, start out with a reasonable ~£30 ship and then just spend the few quid to upgrade to a better ship step by step gradually.
That way its a small outlay at a time and you get to use all the ships on the way to something pretty good.
I think what the guy means is that he'd rather start with a basic ship at release and work towards earning what is currently a £180 ship for free (well, time). I kind of agree with that approach. I've got an Aurora LN and Avenger Stalker and I'm happy with that for now I think. I'd probably be pretty bored if I had every decent ship now for several hundred pounds and when the game is out, be so far ahead that the game is a pointless exploration ez-mode.