It happens. It's almost inevitable with the amount of ships that are concentrated in a small area. As long as you're not driving recklessly or intentionally ramming people you shouldn't have to worry about penalties. At least at a regional battle. They might be a bit more strict at NATS.
Dude...at some point you're going to have to stop changing your mind every 3 - 72 hours, and start remembering things people have already told you Building a ship is like a marathon, it takes months of constant work (to years in some cases), you are treating it like a 10 yard sprint, but each time you change direction, and keep on treading over the same ground by repeating the same questions, getting 'convinced' to do one thing, then circle back a few days later and 'decide' on another path. Out of the constraints you listed, you should pick the Moltke or Lion. Seydlitz would be a very tough first build (there isn't much room in the stern to put guns and stuff, mine is jam packed, and was not easy to get everything to fit) Like others have mentioned (n) times, you need more than just a hull to do anything to it beyond look at it Here is a list to get you started, if you choose to follow advice Things to buy: Hull, plans, deck kit, hardware kit or shaft components (ask Barry), some 1/4" thick balsa wood sheets for water channeling Tools: dremel, jig saw, drill (if you don't have already) Adhesives: CA glue, some sort of epoxy to waterproof wood The above probably cost $300 to $400