Personally, I just figure military vessels can mount as many hardpoints as desired. They still need enough power, fire control, and volume. But if I can draw the deck plans for it, I assume it can be done. But then I also make sure to add galleys, mess decks, fan rooms, etc.
On the Big Ship vs. Small Ship universe question, I think, like today's military, we need big ships, but depend too much on them. There should be big ships. There should also be small ships. In real life, for example, Frigates are too big for what they provide, and cost too much. We need at least another carrier or three, for everything the gov't wants us to do, but DDGs can do everything CGs do, and the LCS is too small for everything the navy wants it to do. So I figure we need a core of big carriers, some small carriers (convert LHAs/LHDs to CVEs), scrap all old amphibs, replace with LPDs. Scrap CGs. Build some more DDGs to replace the bigger, more expensive CGs. Scrap the white elephant FFGs, replace them with a whole bunch of cheap corvettes, and put the LCS on the back burner until it either phases into obsolescence or becomes actually useful, whichever comes first. We need hulls able to be places more than we need omni-capable ships.
So, in Traveller, have some huge carriers and BBs in the active fleet, some capital escorts in similar masses, then a whole slew of ships in the junior weight class of 1k-10k semi-capital types (Figs, cans, cruisers), then the small escorts, like the Gazelle, Fiery, etc. by the bushel. For the big-stick between star-nations, There's the force-projection of the really big ships, but only a handful of them, and there's the support for them, in their weight class. Then there's the more available big-stick for pirates and pocket kingdoms of your top-end small ships (Kinunir, Sydkai, etc up to 10k dtons), then there's your widespread presence with the little ships - your big stick for PCs getting out of hand.