@detachedlamb476 The whole game is about manually doing everything. That is one of the great plusses of Sea of Thieves. You have to manually raise, lower and angle the sails, manually control each oar of the rowboat, manually bring loot to your ship and bring it to whoever buys it. One at a time. There are no QTEs or 'press W to go foreward'.
I will not deny that having an NPC (even just one NPC) on board a galleon would make life easier/faster. But (and I admit I'm speaking for myself here) what's the use of doing things on board the ship faster? Part of the appeal of soloing a galleon is that you have to think way ahead. You better make sure you have enough sail reefed when closing in on an island, since you cannot steer and furl the sails at the same time.
Having NPCs would only serve to allow small crews to sail large ships more efficiently, making larger ships like the galleon unbalanced. Being able to controll the sails on a galleon as quickly as a solo-slooper (or maybe a two-man crew on a big) without even having to leave the wheel will be a great imbalance.
If you'd introduce NPCs anywhere, I'd say do it for sloops, and then only for low level players. Having that little extra advantage might help them get away from a harassing crew.
Also, you say that to combat the fact that rich crews have an advantage, you would have people pay for NPCs continuously. That would make the problem worse rather than better. Some people have over a million gold. Several million perhaps. They bought all the cosmetics. They can start with a full NPC crew on a large ship, take down other people easilly since they only have to shoot cannons and not worry about repair, hand in other people's loot and get even more gold. Someone with little money might be able to affort an inexperienced NPC for an hour or so and then run out of money.
It's usually the people with lots of money who need the NPCs the least.
As for the larger ships: I still think it shouldn't be a buyable option. Maybe something you unlock after a milestone like PL might be good? But definitely something you unlock for good once you have it. And if it is not available to everyone at the start, it shouldn't give any gameplay advantage like bigger crews. It would be hard to balance.