That's a fair point. But the ramming ship would be able to maneuver a few degrees off the ramming course while the nonessential crew jump out of the airlocks in the bubbles, and they'd end up well away from the debris field.
Maybe a better strategy -- if there's any anticipated threat of raiders who might threaten the homeworld -- would be a fleet of small, fast, very heavily armored fighters with minimal crew (just a pilot and a gunner), who sign up for a special "Suicide Squadron" assignment. The only real countermeasures to them are for the raiders to have the acceleration to dodge them, the anti-fighter firepower to disable them before they're too close to dodge, or their own suicide fighters tasked with ramming them first.
Such suicide fighters would still be useful in routine duty; a very fast fighter could encourage cooperation with local space traffic control, customs cutters, etc. Even if they never had a chance to play chicken with an Ihatei raider or a K'kree G'naak-trampler, or score a posthumous SEH, they'd still have enough to do to keep busy. And that Suicide Squadron shoulder patch might be worth a few free drinks at the Navy tavern for a few years after an incident where a raider backed off in the face of a ramming threat, even if they weren't personally involved.