My reasoning for giving it a 95% was that I think the set could have been perfect
if in place of one "set" of Class 2 white sprues, there could have been a "set" of Class 1 blue sprues (for a total of 2:1). At that point, the set truly would become pretty much all you need to outfit most ships. But by having the entire set be Class 2, there is a significant uniform class missing that keeps the set from being all you need. I think that's worth a mere 5% reduction.
As for painting the figures to be what you want, that goes against the very nature of what the product is and how it's reviewed-- which is as a pre-painted set.
BTW, you mentioned Hasegawa making figures. I haven't seen these figures- do you have a link?