As a matter of fact, I expect the more casual guilds would be worse off than they are now, because they'd spend all of their earned renown on top quality hookpoints, just like everyone else would, and they probably wouldn't earn enough renown during their duration to even be able to replenish them after they expired. So they'd have a newly empty ship, no renown to replace expired points, and not enough incoming renown to even attempt it. Eventually they'd save up enough renown to start spending again, only to find out that.... guess what.... they can afford to purchase almost exactly what they have right now.
So the whining would start all over again.
The plateau affect would still appear within guilds under your system, so nothing changes. And I don't think it should change.
Many people are throwing the word "elite" around in this thread. Well guess what? If you want the same amenities that elite players have, you should have to put forth the same amount of effort. This isn't an elitist ideal, it's common sense.
I don't consider myself elitist, nor elite, at all. The difference is that I recognize this fact, and because of that I don't think I deserve the same amenities that the "elite players" receive.