Hardpoint balancing can be a bit of a pain in the ass in this game unfortunately, especially if you're just starting out. I understand you're frustration about the AI, I personally have been looking into how to modify it properly but AI is an entirely new realm for me. Unfortunately the games AI is kind of what we're stuck with for now, so you kind of have to work with it.
If you wouldn't mind some advice on Borg balancing: save it for last. Practice on balancing your Feds, Klingons, Romulans, Cardassians, and Dominion first before trying to even touch Borg hardpoints. I personally hate playing with Borg hardpoints, there's usually so much stuff in there and it takes me twice as long to get it to where I want it as it does a Federation or Klingon hardpoint.
Oh and don't set your impulse speeds at 30, actually in most cases you shouldn't go above 9. Also having speeds that high accelerates the "shaking-ship syndrome" that has annoyed BC-players since the game first came out, also those kinds of speeds make fighting in-game difficult, almost to the point of ridiculous (I got bored and tried it one day, it was amusing for about 5mins until I got annoyed and went back to the standard speeds).
If you really want to balance your ships well, I recommend you study the works of Elminister, Durandal, and Laurelin (she did the hardpoints for P81's ships back in the day). Those three are generally regarded as BC's best hardpointers, and they're styles (and/or a blend of all three) has become the standard that continues to this day. Seeing how they did their hardpoints will help you find a balance that works for you in your installs, it did for me
