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Light ships aren't that effective, really. Instead of competing for a slice of trade, conquer and take it all. Use that cash on your military instead--light ships slowly show a small profit while conquest immediately shows an enormous one. If you want a wealthy nation, let trade guide your expansion. Conquer your entire collection node, then the nodes that feed your collection point, then the nodes that feed those nodes, and so on.
Even though the game has a tooltip on the loading screen that says "light ships are the key to securing trade opportunities," it's wrong. I'll use those I start with or capture in nodes where I don't have total control yet, but if I need fleet capacity for transports and warships, I get rid of them without a second thought.
The same principle holds true for marketplaces and upgrading centers of trade. If a mission or estate agenda requires it, build them, but otherwise use that cash on your military instead. And construct useful buildings like manufactories, workshops, and courthouses.
This approach will earn you trade incomes of many thousands per month by the mid game and millions by the end.
You won't care about whether things are "cheaper to maintain" when you're so rich that you think nothing of upgrading a monument you just conquered to max level in three days with your immense cash reserves while fielding an army of millions and hundreds of combat ships and transports.
Hisn Kayfa was easy. I don't think I've played Beloozero, though.
from the wiki:
The base build costs and ship maintenance factors are given here:
Ship Class Base Cost /Maintenance Factor/monthly maintenance without any modifiers
Heavy ships - 50 0.10 0.4
Light ships - 20 0.03 0.04
Galleys - 10 0.04 0.03
Transport - 12 0.04 0.036
Being over naval force limit will multiply the maintenance cost of ships by the force limit proportion. For example, if a country has 10 ships on a force limit of 5, maintenance is doubled.
That's Marquoz for you. Some of us touch grass once every few years, others become masters of EU4.
Still others of us whine about them on Steam forums apparently.