Okay, I can see the problem. First off, this is not a small trading ship - nothing on the order of a Drayman, of course, but it is at least the size of the Galaxy. It's very close to half-again the size and cargo area... Biggest player-flyable ship in the game. It's also the most expensive ship in the game - by far - and it needs to look as such. As for the padding... It's upholstering. Not uncommon in expensive civilian items. Those panels could contain anything...flip-up Storage buckets (like in airliners), power systems, contraband storage, whatever. The descision to pad them over isn't as ridiculous as you make out. Moreover, you've not seen the end result that I'm trying to get here - the details aren't even 50% of the way there yet. There's a large table and a bunch of technology and seating that's going to be placed back there. I'm also not ruling out the possibility (in fact I planned to do so - not a lot of room back there in it's current configuration...) of making the side panels not as obtrusive, but they'd still be there when I finished.
Finally, If you choose to be a merchant-baron in this game, you will be running your operation from this ship!
Anyhow, I hope I can come to a solution that can please most everyone. I'll be working on this for most of the day today, and I'll get periodic updates out as often as possible.