Do not rush.
Most people in this game do this mistake ... they throw money into it and rush to high tier.
There are a lot "lower tier" tech-tree ships that you might enjoy (BECAUSE THEY ARE FUN) very much as they give unique experience and by so - TEACH you the game mechanics:
St. Louis, Derzki, Clemson, Kuma, Minekaze, Dallas, Budyonni, Fiji, Lyon, Sinop (trollface here) ...
Play them ... find what suits you best ... then buy a premium that fits your play style and acts as your captain trainer and credit earner.