TrippyHippy said:
I think your experience is very limited. To be saying that it's 'nearly impossible' for any of these things, which are pretty normal (rather than theoretical). Getting more than 4 terms in a career doesn't happen every time, but it's hardly unusual at all. And it doesn't actually apply to this issue at all - as you can get benefits from differing careers.
You might find the notion of a group getting 5% ship shares as low - I would say that it's just a bonus anyway, and space ships are supposed to be expensive. The notion of having a mortgage is part of the gameplay, insofar that it gives motivation to get into missions and earn some cash. And I have seen plenty of groups get way higher than this as percentages. I'd actually say that for a group of 5, with careers of 6 terms or so, it would be pretty normal to get at least 10 shares between them.
Three or four games, five to six players each, plus approximately eight to ten attempts on my own. 30-odd characters. Not a large sample, but statistically acceptable.
As I recall, in all of those, I saw
one character survive more than four terms, either due to failed survival rolls or advancement rolls that dropped them out (more the former, than the latter, of course). One. 3%. Close enough to 'nearly impossible' for my books, thanks.
And I would like to point out, I'm not advocating giving players a ship. Given my experiences, a 10% share still would have resulted in a mortgage in every situation. Smaller than the RAW, but a mortgage nonetheless.
The difference is between a 5% share and a 50% share. A mortgage of (for a scout seeker, fe) 107,000 Credits monthly or 56,000 Credits monthly - not counting maintenance costs.
Again, I understand where you're coming from. You've seen more people get more shares than I have, so a 10% share percentage is clearly too high. Had I seen even one instance in those examples where we would have exceeded 50% of the mortgage without ship aging, I would agree.
And while I agree that having a mortgage on a ship is part of the basic concept of play (for OTU, anyway), I wouldn't subject my players to a monthly payment of over 150,000 Credits, especially as I haven't seen anything in the RAW that would allow them to actually
make that kind of money on a consistent monthly basis. I do not want to play Traveller: The Accounting, and I'm not going to run that for my players, nor do I want to play or run 'Hide from the creditors again'.
I think a good compromise is 2.5% to 5% per share. The odds of getting 20 shares are not all that good, and in most cases, if the players want a newer ship, they'll still have some debts to goad adventuring.