Re: More questions...
Yes, as you found out you cannot mothball ships with cargo. You can retrofit mothballed ships.
Watch the minerals you use when unmothballing a ship. It can be expensive, especially if they come to you before you are ready to go to them. One disadvantage of retrofitting a mothballed ship is that it then costs more to unmothball.
A mix of upgrades while mothballed and upgrades while training before launch may be best. I expect your 2020 numbers are based on a shipyard I with a small bonus. Getting a more advanced shipyard and a jubilant and more populous planet will increase the amounts of building required.
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