I'll wait until other characters are made before I decide on a ship. Having a ship that I don't have the right wizard for sounds like a suboptimal play.

As for the debt to Leadbelly Kira, would I get higher quality guns if I accept the debt? If so, I'll take it. If not, would you mind if I just have the guns and the debt is for a 'never have to worry about ammo again' sort of arrangement instead?