Dave, there’s no denying that this hobby can get expensive at the high end, especially for advanced modelers chasing whatever their ultimate goal is. But let’s not lose sight of the original goal of this discussion: getting more people started in wooden ship modeling, not scaring them off with figurehead costs in the hundreds of dollars.
There are plenty of great beginner kits that cost less than a nice dinner out. Many have no guns, no elaborate stern galleries, no figureheads, and still offer a satisfying build that teaches core skills. Dories, small fishing vessels (personally, I love those), sloops, barges, and workboats are affordable, attractive, and historically meaningful subjects to choose from.
Not everyone needs to commission 3D-printed art to enjoy this craft. Some of the best shipbuilders started by learning to shape a hull, plank a deck, or rig a sail, long before they ever thought about carving. I'm not sure if my personal experience still fully applies to this thread, but...I began my shipbuilding journey a long time ago by shaping the hulls of probably hundreds (if not more) of submarines. The first dozen of my attempts ended up being used to heat the room in winter! I started with a log of wood, shaping it with a plane into something vaguely usable. Then, using a fretsaw, I’d cut out half-bulkheads and shape the blank, constantly attaching, checking, and removing more material as needed. That was the process of learning I went through. It was slow, often frustrating, but incredibly valuable, and it cost me almost nothing but time and patience.
Let’s keep the focus on inclusion and encouragement. If someone enjoys it and wants to move up the ranks, they’ll naturally decide when and how to invest further, at their own pace and budget.