you need the Model Property Editor, which comes with the SDK.
http://bridgecommander.filefront.com/file/Installable_SDK;46701can't speak for Armada, but there is a certain set of rules for the hardpointing... as for easier or harder, it all depends on the complexity of the hardpoint and the detail of the ship.
some hardpoints may only include a hull and a ship property, while others can have multiple systems and backups (like the Borg cube)
it all involves a bit of modelling and scripting knowledge, so if you're a good designer, you will still have to know your way around the code if any bugs appear, and if you're a good scripter, you need to know the structure of the .nif file if you want to make a quick edit, like shifting a misaligned mesh.