Do premium ships have built in bonuses for xp/money then? I've seen the one I have (Gallant) has one on the camo but that doesn't make a huge difference and is no better than others I have lying around that I can use on any ship.
Premium ships have built in XP/Credit multipliers linked to the ship itself rather than camos etc and those stats are hidden. In fact I believe WG has only ever mentioned what that multiplier is on the USN DD Sims and no other ship has had theirs mentioned.
Did 2 co-op games anyway, nearly died of boredom :/
Co-Op requires a completely different mindset to PvP. It's all about being
hyper aggressive in Co-Op (definitely not a PvP thing) and brawling as close as possible, so it really suits Cruisers with YOLO torps and faster (27kt+) BB's so the normal PvP play style of hanging back and taking your time doesn't work very well. Having said that, if the map decides to screw you (Two Brothers is brutal in Co-Op) or you play DD's and slow 20kt BB's they can be very painful to play too as DD's get focused by every bot that can see it and slow BB's can't keep up with fast Cruisers/DD's which are busy torping each other at point blank range.
It took me a hundred or so games to forget the PvP "passiveness" when I started playing "Co-Op only" and once you learn a few tricks they become really good stress relief fun as 3-4 BB's all brawl within 5km of each other non-stop etc.
Having looked at the stats for your two NO Co-Op game's your average damage was 27k, I only have 6 games in the NO (only just unlocked it) and my average is 73k. To get in Co-Op that I get as close as possible (10km-2km) and use AP all day long, even on BB's under 10km (I only use HE when on bow-on/stern-on, on a DD or 12km+ from a ship).
Here's the results of my last NO game I just played a few minutes ago. Look at the damage done and check the type of shells I was using, my longest shot was about 13km (Tirpitz HE), the rest were all under 10km against Cruisers and the closest was nearly a ram but got me 3 citadels during the drive-by
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