After playing this game for over a year, I'm increasingly finding that particular pilots eventually settle into a fixed starting point.
For example, as far as I'm concerned, Soontir Fel costs 32 points (27 + PTL + TC). It would take a lot of convincing for me to field him without those two upgrades. If I have the points to spare, I might also give him Stealth Device or Hull Upgrade, but he's always going to start at 32 points.
Similarly, fielding a Firespray (of any type) without Engine Upgrade would probably cause me physical pain... despite the fact that this essentially makes the 'true' cost of the Firespray 37/40/42/43. On the other hand, I don't feel as strongly about this with the Falcon...
It's a bit like taking 'autoinclude' to the next logical step... although it has only really happened for a handful of ships. EPT Interceptors are almost there with PTL... but I'll still field those with Predator or Outmaneuver.
Has this happened for you?