Don, Does the "4" not work on your keyboard? There's no phaser or disruptor "Y".
The 50pts of armor 50 (or armour), and all the hull 20Front+20Center+20aft batts 100, bridge 15, should allow her to take damage pretty well. You don't get reinforcement and shield regeneration. There's definately a time limit on how long she can fight. I'd never arm a ship in SFC like he's got it, but I'm assuming he's not looking at it as a Trek ship.
Tactically, I'd imagine that the best tactic would be to fly in at max speed (get in as quickly as you can) behind a wall of drones to act as damage absorbers (every phaser fired at your drones is 1 that's not targeted on your ship). Or to even force a weasel from your enemy if it's the AI. Get into a close range knife fight. Take advantage of how fast your weapons rearm. Especially those Hi-power phaser 4s and the mauler.
You need to have the combination of the phaser 1s and the phaser 4s to get the phaser capacitor to charge correctly. I'm guessing that you aren't putting the phaser 1s on and that's why the phaser 4s aren't firing correctly.