On the subject of loadouts, unless you are part of fleet actions (joining up with other caps against caps) you might want to steer clear of the missiles on ships with tiny powercores. If you aim to fight a BHG destroyer 1on1, the missile will be of very little use aside sniping his weapons, thanks to the infamous explosion range issue.
If however you would be flying alone, there is really little you can efectively combat with such a light ship, fighters and bombers are not cruiser teratory, and anything bigger than a BHG destroyer or kusari destroyer will simply overpower you (unless you get a very powerful armour upgrade).
Best just try to get an all-round loadout if you aim to fly solo.