Thanks for the responses. Once I get an account I'll probably be using offline mode quite often, and might use the user.cfg modification to load any ships I want. When that happens (soon, I hope) I'll be sure to direct any questions here. You all seem helpful.
Would it be possible for one to distribute their loginData.json file without jeopardizing their account? It would be for the purpose of testing Star Citizen without an account. Another possible option is usage of a loginData.json file created by logging in with an unpaid account during a free-fly period.