@honkytonk1154
Hey, I've been playing solo sloop exclusively since before launch. I think the main thing to remember about playing solo is that you can't approach it like you're playing in a crew.
Contact with other crews is best avoided entirely if you want to avoid being attacked. Always be checking the horizon for approaching ships. You see one that might be heading your way, you get aboard and prepare to scarper.
Haven't finished loading crates or supplies?
Forget it. Do it later or not at all. Finishing voyages isn't required. Get loot quickly and turn it in quickly. You don't get extra for completing a voyage, so don't be afraid of just canceling it and doing something else if it'll get you back on the loot hunt faster.
Stick with it, cause the amount of encounters you describe is not the norm. If your area seems too hot, sink your ship and spawn elsewhere to get out of the crowd.
Lastly, try to treat attacks as another opportunity for fun. It's not for everyone, but I kinda enjoy when I run across another ship. I don't fight people, so instead I try to just be memorable. Do something silly or ridiculous. Something that'll make you laugh.
Sure, they'll still kill you, but then you just scuttle your ship, respawn, and get back to sailing. The real secret of SoT is that death means diddly-squat. As long as you don't hoard loot, you'll never lose much besides time, and not even much of that if you know how to utilize the death/respawn mechanic.
My main comment would be; it starts being fun when you stop taking it too seriously. At least that's how it's been for me. =)