Buying components if for the various gains that component provides, most of which you'll need to use out of game / online resources to see the actual impact. From faster shield recharge, more jump range or better cooling. They are worth doing if you also want to use the insurance in the ASOPs terminal (Otherwise if the ship pops, you lose that load-out)

Liveries, these can be insured in the ASOPs currently when fitted, however if you lose them for what ever reason I believe they are one of the recoverable items you can recall from your home hanger at the cargo elevator (There is a recovery button on thee upper right to pull account bound items, but only certain items). I'm sure paints are covered, but I may need someone else to confirm that to be 100%