Well I try to keep my ships pirate ships and I do not abuse my merc status...I want a guardian and refrain from getting one. Why? Because unlike capships they are hard to steal (when I get done with my rp QV the reasons for me having Liberty caps will be explained something about Drake getting some classified command codes...).
And I ALWAYS get pirate fighters, Raven claw, Raven's talon, Sabre, Nepthys, Scimitar. And I mainly have pirate ships except a few caps. We have stolen Liberty Dreadnought, and cruiser the only Liberty ships I own. And I intend to rebuild my spyglass and load it to the teeth. And I do not allow non RP ships there is only one Corsair ship in the fleet and it has a soon RP purpose and there is a reason the HF stole it. But no other corsair ships are allowed, no BHG ships and few house ships are allowed. Fighters I am less strict on but caps non will be bought from anyone except pirates and Liberty.
So my RP is not as bad as you thought, and as for flyer (i missed that little remark) NEVER EVER use the excuse "Well I'm a merc I can do whatever" as an excuse...