I'm only at around 53k coal and have a 25% coupon for a coal ship, and have 130k~ FXP. I honestly don't know if any of the coal ships stand out to me in terms of game play, maybe the Georgia or Salem. I honestly don't know if I want a T8-9 premium as I'm not the best at WoWs and don't want to be that guy who is in a expensive ship and can't play it. I also can't play the game for 6 hours a day, so getting 200k coal would be really time consuming. To anwser your questions, around 1/3 of the way to a Georgia and Jean Bart.