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If you go from UA to Basic and have a full complement of ships (none of which a Basic is allowed to access), you can still sell a ship and buy one that you are allowed access to as a Basic member. (Or you used to be able to. I haven't tried in a long time.) You can even repair a ship that you're not allowed access to if you forgot before you stepped down.
I've found it's really not that limiting to go back to Basic especially since they added the clothing quests. Sure some weapons are locked out; I do really miss my firebrand and thunderstorm cannon ammo, but I more than "get by" with all of my pirates.
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