Armour upgrades

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So a truck with a tank-plating is a normal sight in your neighbourhood? (Trader)
Or you ever have seen a Police SWAT truck with the ability to gun-out a tank? (Gunship)

And yes, you would still be able to use as Battleship and Battlecruiser captain all Upgrades available.
As far as I read it, it is compatible downwards but not upwards.

Capship-nerf because of the Armour-plating restriction?
I dont think so, you may elaborate on an example why you think that way please.

Not a truck, a tanker or bulk carrier. And yes. I can easily imagine them reinforced with horisontal and vertical beams in their enormous cargo holds, and welded armor plating on the outside. Those ships are huge, and manouver like a pig, just like our tradeships do. However, being huge, they have enormous flotation potential, that is, they can carry a lot. And, if they can carry a lot of food/oil/grain/rocks... they can carry a lot of armor. So, no problem there. Besides, all that additional armor is not that usefull on a comercial ship as it is on a warship, because they are designed to handle stress differently. Warships are inherently more sturdy, with more compartments, structural reinforcements etc. That is, battleship has more health than the trade ship. Slap some armor plating on it, and it actually works properly. As a "health" multiplier.

Now, how does a SWAT truck outgun a tank? well... a stretch of imagination, but three men with portable anti tank missiles outgun a tank, in a short time at least. However, I haven't actually understood your question regarding SWAT truck, tank and Gunship.

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Be excelent to each other!