In case of the Defender, it's more the 3/3/3/3 statline they're paying for, methinks.
That's nice to say, but it doesn't add up.
The "x-factor" which has always thrown out the "how much do the elements of a ship cost" calculations can all be pointed to dial differences and this is true in the case of the Defender as well.
Based on their stats alone the Defender would be costed in the mid 20's for points, 26 or 27 tops. They are only one agility and one shield up on an X-Wing after all.