Reynard said:
As long as you have extra time you can play it safe. Refueling the Shallows of a gas giant takes twice as long and imposes only a -1 penalty to Piloting while using the Extreme Shallows is ten times normal time and no penalty as compared to using the Deep at normal time and -2 penalty. Aerofins add +2 to the task and I see nothing that says they'll get torn off any more than other external features unless you're riding the Extreme Deep. If you're down there, you are expecting Bad Things and went prepared.
You can make it less suicidal, but you can’t play it safe. The RAW are punitive, especially for large ships.
Even refueling in the extreme shallows, which takes a full day for jump-2 fuel, requires two pilot checks.
Getting to the shallows and back out again requires 4 pilot checks, two of which are at a -1 penalty. (Assuming you can enter the wisp layer with no check, which isn‘t made clear but makes sense to me). Fail any one of those, and you have to pass a difficult pilot check to avoid damage (you also have to repeat the failed roll, because you’re still stuck in the level you were trying to leave). Even with a skilled pilot, ship damage is going to occur regularly in gas giant operations. A damage roll of 8 causes a critical hit on a free trader. Test it out a couple of times and see how safe it is.
Lets say you’re a Pilot with a skill level of 2 and a dex bonus of +1. So a total of +3. Seems reasonable for your average tramp pilot. That means a passing roll on your four skill checks is: 5, 6, 6, 5. You will pass all four of those rolls less than half the time. Fail one of the 5s, and you now have to roll a 7 to avoid 2D damage. Fail one of the 6s, and you need to roll an 8 to avoid 3D damage. 3D damage is likely a critical hit on a 200 ton ship.
I suppose if you want to be generous you could use the extra time rule to give a DM+2, although time to switch layers isn’t specified. That would lower your odds of failing one of the rolls to about 20% and lowers the odds of damage even more, but it still seems an unacceptable risk.
Aerofins would be a must, but impose a huge space penalty, limiting the ability of a trader to be profitable, and J4 warships don’t have room for them. Big warships can shrug off the damage, but for small ships, skimming is a bad deal.