You've progressed to the stage where you have a basic Dinghy. It's a dedicated combat walker for you, equipped with two stingers for the pilot, a repeater and a ballista for your two friends.
There’s still one spot left to build a small weapon or additional storage, but the Dinghy reached its hardpoint limits. Your crew figures it’s time for an upgrade, and you know, through experience (or wikis) where you’re likely to find it.
You decided to go up against a group of Nurr Raiders (that's Rupu riding Nurr, equipped with ranged weapons), and by knowing the lay of the land you’re on, you found them rather soon:
It was a fierce battle, your crew prevailed, but your walker took some heavy damage. It will take considerable resources to repair. Furthermore, you lost the repeater on deck, which will be painful to replace.
However, on the upside: The raider loot was exceptionally good. Going through the spoils of combat, you've found the ability to construct either a Hammerhead Rig for the Dinghy, or a Stiletto.
You now have a tough decision to make. Stick with the Dinghy? Or go for the Stiletto?
The hammerhead Rig looks like a good upgrade - it has more medium spots, allowing you to equip an additional weapon and woodworking station so you can craft ammo on the go, making you more mobile.
Alternatively, you can consider the Dinghy a full loss with all the damage it has sustained. Spending all the resources to repair it is a big sunk cost.
Instead, you also consider going for a full upgrade, straight for the Stiletto. It costs considerably more resources, but even with the default Rig, it has many more spots available, making it possible for you to take on bigger mobs.