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In this case you don't have a choice (Most Interceptor pilots would generally take Stealth over Shield). The cost of upgrades is averaged on how useful they are across the board, and they have to take into account things like taking Shield Upgrade with R2-D2 (not that this is OP or anything, but I couldn't think of any other example.) generally there is a premium when you get the choice and can combine with other things. You can't quite work out points like that. RM's version is closest to what could be expected as it is the SSP with Shield upgrade although it also throws in just one more point of pilot skill and adds another upgrade option for the one additional point. Not sure what to make of Kir Kanos but again it is underpriced considering the built in shield upgrade and TWO remarkable abilities being built in.
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Just look at your Royal Guard Pilot and compare it to a Saber Squadron pilot (21 points) with Veteran's Instincts (+1) and a Shield Upgrade (+4) and you're already a point higher in cost and have burned up all of your upgrade options. I made some cards as am going to do the same
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