A lot of gamers are never going to fully min-max their ships. Not everyone plays that way.
One thing the game needs for these people, who may only be interested in PVE anyway, is an in-game "ship loadout expert" you "pay" to "fix" your ship's console and weapon loadout and advise on BOFF skills and assignments.
It will never be as good as the top loadouts players who *want* to do the spreadsheets wil come up with, but it doesn't have to be - it can just fix some of the broken loadouts that make less-intensive players hate the game.
Also, for those who want to get there but don't know how, a more comprehensive in-game tutorial (possibly through the academy) on these aspects of the game. Not everyone visits the forum or searches online for builds.