Is a fully loaded cargo bay going to affect our ability to speed up and slow down vice our maneuvering capabilities when our ship is unloaded?asked by AFKeefer

Yes (see above) [Real inertia is used for all the calculations - the ship's computer is calculating the needed thrust based on the ship's current moment of inertia - which is re-calculated anytime the ship has a part added or taken away. So yes longer skinnier ships should roll quicker (assuming the same powered maneuvering thrusters)]