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The usual advice is to save up twice the purchase price of a new ship and use the extra to queue up upgrades in drydock while you continue to operate your old ship for a while.
Definitely check the Wiki out. You are going to have to dig a bit to find what you want: https://startraders.gamepedia.com/Ships
The Wolf Vector is loved for the Behemoth engine it has.
The Galtak Heavy has a Large slot passenger suite.
Degla Megalift starts with a salvaging module
Raptor Class has a good officer/crew to mass ratio and is accessible.
Horizon Highliner appears on paper to be a merchant TANK. I haven't used one before unlike the other 3 listed. The 2x Cargohold 4 is worth 450k in upgrades and half a year in time by itself.
What is it you want to do?
(Even on permadeath, you can zip the save game directory and do the same trick. I still recommend this for this one time purchase.) (In other games you can really see enough of what you would be getting, but here you cannot really see the loadout without purchasing it.)
I'm playing as a merchant as I learn the game.
It could be either an option to preview ship components/skill pools or a quick summary along the lines of those which are given when starting a new game and selecting a ship. Preferably both of these things at the same time.
It sounds like OP will want a merchant vessel like the Galtak Freighter / Galtak Heavy / Horizon Highliner. If they haven't unlocked much, then it will be the Heavy.
It will be very low on Electronics (defense) initially, but those modules take 3 days to install and are available most places.
Arcanum Freighter also has 3x Cargo4 pods, so it will need the electronics modules as well but otherwise looks great for the 5k mass. It is Zenrin only, so start as them/be friendly with them.
All this said, it's just as important to have decent trade permits with several factions if you want to trade heavily. Eventually you'll get contacts who have Rare Trade Goods. I think each primary faction zone has 1 type, like Locusts in Fifth Pass available to Cadar and Steelsong.