3-ace list (i.e. dodgey, but fragile). I am 99 points with a 3-point upgrade. Do you

1) add stealth device

2) add hull upgrade

or

3) give up the initiative bid and add a shield?

Depends on what ship it might go on.

^
What he said. It's the old "should Jax get a stealth device or hull upgrade" argument. It's going to depend a lot on the pilots and the list you're using, and what kind of opponents you expect to face (e.g., are you going to be fighting TLT swarms, or Ten Numb with a mangler cannon?)

I would add: the initiative bid advantage you get from taking a hull upgrade over a shield upgrade is more useful than the critical hit avoidance. Shield Upgrade has it's place on ships with shield regen, but a hull upgrade is generally a more efficient buy.

Scyk. Don't laugh too hard.

I don't fly a scyk without stealth anymore.

Give him title and HLC why waste points on the defence. It will die anyway, let him go down with style.