Julin, I think your idea of personal lives has some merit.
However, I look at what you propose and think it is too complicated. The rules need to be simple so that any noob can quickly understand what is allowed and what is not. Let me explain:
I am still learning the ropes for Dyna play, and the OOB rules were completely and to a much lesser extent baffaling to someone who has always played on non-oob servers. The restrictions seem to rule out being able to play using anything than the stock CA, CL, DD, FF for each race. Your life system would allow some much needed changes. But simply using 1 life which can be reused (providing you havn't lost the ship) at will would be suficient for the speciality ships.
One big problem for me was and is in knowing what ship is what hull. E.g. Some races ship designations do not reflect the hull size but the name of the ship. I think it will be too much for someone new to the servers.
I am also concerned that there could be a big problem keeping track of who has used what lives.
Therefore I would propose that the following rules be considered:
1. Each person has 3 lives at the start of the server. This is also the Maximum no of lives.
2. A speciality ship will cost 1 life. Denoted by the use of s before the ship type (as in the oob at the moment)
3. A Command ship will cost 2 lives and is denoted on the ship list by the use of a c.
4. A Capital ship (DN class and above + all carriers) will cost 3 lives to use. Denoted by a b.
5. Lives may be reused provided the ship returned to spacedock
6. Each person should have 1 life added at the end of each week of play. This extra life is lost if it takes the total number of lives over 3.
The s mark should not be used for any ship with a hull of CL size or below, unless it carries fighters. (this rule may need changing for the Hydrans, not sure)