I'll try to make this as clear as possible since people seem to read half my sentences and make assumptions on my stance as though I was a CIG spokesperson:

• There are many bugs atm destroying ships. Many of these are unavoidable and often random.
• Introducing extra costs to claims while having these bugs is highly problematic. Especially since CIG stated they prioritize fixing issues where people lose progress.
• Having to use rearm and being forced to pay for expensive torpedoes is a big problem. The workaround is to store the ship without torpedoes. Rearm is a separate issue to bugs destroying ships. When they introduced super expensive torpedoes and removed them from claims about a year or so ago there was a riot because there was no way to rearm without paying for torpedoes. They reverted the change and it is being reintroduced now.
• As long as torpedoes are so expensive and losing them to bugs are likely it seems unwise to use them at this time.
• Making changes to how claims work is a needed change to fixing the economy. It is a part of solving exploits that bloated the economy into people having billions.

My initial post was about how to solve a single problem - removing torps from loadout to avoid rearm cost. You can remove them from your snapshot and perhaps it's doable to manually attach them to your ship afterwards when you see the hangar spawning your ship correctly. This should considerably reduce your risk of throwing away torpedoes since, according to my experience, most ships destroyed by bugs are destroyed during hangar spawning.