So I build lots of lists. Far more than I ever have the opportunity to play. And one thing comes up a lot while I am building Rebel lists. After I have bought a few ships and upgraded them minimally for what I want them to do, sometimes I only have about 10 more points or so. If it were closer to 5 or so, I can always more upgrades for 5 points. If it were closer to 15 points or so then I look at my list and do some shaving to see if I can't slip in another ship.
10 points is not a problem for the Empire because I can shave just a few points and get a TIE.
When I am building a Rebel list and I have 10 points more to spend, spending them on upgrades, just feels ineficient, and shaving 7 points off my exisisting list so I can add a Prototype Pilot often leaves my original list idea stripped down into something else entirely.
I am not looking for a right answer here. I don't think there is a right answer to questions like this, but I am sure I am not the only one who faces this issue, and I am interested to hear how other people out there deal with this issue.