In STO I have 3 lvl50 fed toons and 1 lvl50 kdf toon, all 4 are using the free tier 4 ships you get at lvl40 with mk 10 & 11 green and blue gear. I don't do PvP or groups (same goes for here on TOR) so my gear is about as good as it will get for me, yet I do take my kdf into Ker'rat to do the daily dillithium missions we get, yet despite being in an underpowered BoP I have no problem killing P2W fed ships with mk 12 purple gear, it's getting the "get killed x times by the feds" daily I have issues with, I usually end up just sitting there and let them kill me.
Hands up here who would kit out thier knight/warrior with light armor set for another class, and then give them a pistol to fight with, I'm not expecting to see any hands btw. That is what you have in STO, so it's not really a case of unbalanced, more a case of idiots that haven't a clue, and all because they want to emulate Jean-Luc or James T.