Caps on how many First Rates you can build - NO!, there weren't any in real life so there shouldn't be any here, the only cap there should be is the fact that building those is a huge money and resource hog (Well, they were in real life)
I think the most plausible naming solution for ships would be to have a list of names for the different types of ships and have the game assign them automatically (A sunken or broken up ship's name goes back in the list), kinda like in Victoria (It would suck very much if all ships are named the same)
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