You're making some erroneus assumptions here.
When you look at maintenance life, what you really need to look is the other values such as IFR and maximum repair. Maintenance life is just an estimate. What can happen is that your most expensive component fails several times and then you're left without MSP. That component is usually the engine, ergo why your ships are moving at 1km/s.
Steve made a thread about the exact calculations, you should look for it, but basically, you IFR is the given chance that a part will fail at any given 5 day increment. This can be lowered by adding more engineering spaces proportional to the full size of the ship, with larger ships also being more failure prone. IIRC, the ship then runs the damage allocation probabilities and choses a part to break. Given engines are often the largest component on a ship, they also are the most likely to fail.
Instead of just looking at maintenance life, which can be deceptive because the IFR is a percentage, you should look at the maximum repair and make your total msp a couple times higher than it. So if say, your maximum repair is 50 MSP, realistically, your ship will have a very high chance of becoming stranded. I put at least double the amount of the maximum repair in any ship I make.