I'm not saying you should or should not have this system on a fighter, I've just been saying I want it to be balanced to where the risk/reward decision is requires some careful thought. That's all :p . I think the idea of a high-risk high damage bomber is pretty cool, both if you manage to blow a hole in a capital ship or if the thing takes a hit and self immolates. Both outcomes are interesting, and make for good story elements.
The main weapons on my ships tend to be high damage, low ROF, so I tend to use lots of power capacitors. I haven't pushed any designs below 40K mass into the realm where I needed more than 2 million regen a second.
I aim for fast, balanced ships that seem plausible for something out of a hard sci fi or military sci fi book. I usually run by total block count 20-30% thrusters, 20% shields, 10-20% weapons, and the rest to the power systems needed to run the above, support systems, a combination of standard and advanced armor depending on aesthetics and what kind of T/M ration I'm aiming for, and a decent amount of volume devoted to an interior.
I'm interested in making my ships cool, like something you'd see in a good sci-fi movie. I'm not a pure RP builder, I want my designs to do what I want them to do, but I haven't gotten around to really pushing min-max efficiency in anything. On the sliding scale between perfect efficiency and RP ships, I'm probably somewhere in the middle.