Depends on how grindy you want to be getting your money – those clippers-without-the-rank usually last until the next assassination 😉
if you can afford the clipper, cargo racks, cargo & insurance – go for the clipper.
you can easily make 300k a run in a good trade clipper… And no waiting in lines at the starport 😉
you could get the clipper and strip the installed gear, so you have one parked up & keep the vulture (but make sure you can buy a good FSD where you strip it)
Edit: remember, 10% off Imperial ships in Patreus shipyards