i can see why there will be 3 versions, Those people who have a different career character will now have to pay 3 times to have the ship for each toon. Am i right in this thinking
You don't really need a different ship to play a different Class of Captain. All the ships have the same BOFF layout. The only thing which is different is 1 Console location. An Engineering Captain, for example, could fly a Tac, Eng, or Sci Odyssey without noticing too much difference.
That's the thing about STO: Class isn't linked to ship.