Devs, I can save you a lot of effort.
Reduce company ship limits (1-3 per person). Make green anchored vessels immune to deal or receive dmg, or just cap it at .01% dmg if it has to have a value. Add a gold upkeep to ships like NPCs and it draws from the chest onboard.
Its not a big deal, Sea of Thieves gives you a new ship every time yours sinks. There nothing wrong with me having to sleep on my boat and keep gold in it to keep it safe 100% when I'm parked.
Less lag, less effort, more friendly to solos and small groups.
Your welcome.