[Suicide Junkie]

For the Ferengi, they should probably also get some large resource storage facilities, in order to more effectively trade.

Borg:
Definitely enough regeneration each turn to hold of 2 or three ships of the same era.
Also, give every borg component Organic Armor Regeneration abilities.
In the latest Gold patch, it works the way we need.

General:
#2: Each turn is a month long... I'm sure the engineering crews can fix more than one component in that amount of time...

#3: Yep. Regenerators would mess with the partial-shield-skipping system.

#5: I dunno, the deflector isn't really used in combat (except for technobabble solutions), it's for clearing junk out of your path while travelling fast.