I think we may be missing something. Traveller yachts are more like private fast liners than the lake, coastal cruiser, and med babe sunning platforms we think of them as in the 21st century.
What if we think if them as luxury liners from the 1920s to 50s? Great speed, great comfort for the top level people.
The Titanic had top level passengers paying 5k, back when that would buy a house, and was as much as an officer was paid per year. They also had the best of everything.
Even so, slow wouldn't cut it. She was fast and sailing all out to prove it.
So the 200 ton yacht is fine for a simple head of a planetary business who needs to go J1 or J2 away and back on his schedule. It won't do for the ultra rich and powerful who want to go as fast as they can in ultra comfort for themselves.
So 20 tons per ultra pax suite, plus another 20-30 per ultra passenger for luxury items (dining room, bar, casino, pool). Add in J4 or 5, and you end up with rather large ships.
For the below example of the duke level ultra comfort J5 mass transit, in addition to the 2 extra crew per suite, I also assigned 100 additional crew for luxury spaces, and 200 personal staffers in high level, and 200 in middle level.
Tech Level: 14
USP
AK-P6525H4-090600-90007-0 MCr 40,739.762 60 KTons
Bat Bear 4 4 4 Crew: 692
Bat 5 5 5 TL: 14
Cargo: 1,500 Passengers: 400 Fuel: 33,000 EP: 3,000 Agility: 2 Shipboard Security Detail: 60
Craft: 10 x 50T Asst Crafts
Fuel Treatment: Fuel Scoops and On Board Fuel Purification
Architects Fee: MCr 407.398 Cost in Quantity: MCr 32,591.810
Detailed Description
(High Guard Design)
HULL
60,000.000 tons standard, 840,000.000 cubic meters, Flattened Sphere Configuration
CREW
37 Officers, 655 Ratings
ENGINEERING
Jump-5, 2G Manuever, Power plant-5, 3,000.000 EP, Agility 2
AVIONICS
Bridge, Model/8fib Computer
HARDPOINTS
150 Hardpoints
ARMAMENT
50 Triple Missile Turrets organised into 5 Batteries (Factor-7), 50 Triple Beam Laser Turrets organised into 5 Batteries (Factor-9)
DEFENCES
50 Triple Sandcaster Turrets organised into 5 Batteries (Factor-9), Nuclear Damper (Factor-6)
CRAFT
10 50.000 ton Asst Crafts (Crew of 2, Cost of MCr 0.000)
FUEL
33,000 Tons Fuel (5 parsecs jump and 28 days endurance)
On Board Fuel Scoops, On Board Fuel Purification Plant
MISCELLANEOUS
1,200 Staterooms, 200 High Passengers, 200 Middle Passengers, 1,500 Tons Cargo
USER DEFINED COMPONENTS
100 Lux Suites (20.000 tons, Crew 2, Cost MCr 0.000), 1 Extra Lux Items (4,000.000 tons, Crew 100, Cost MCr 0.000)
COST
MCr 41,147.160 Singly (incl. Architects fees of MCr 407.398), MCr 32,591.810 in Quantity
CONSTRUCTION TIME
191 Weeks Singly, 153 Weeks in Quantity
COMMENTS
Book 5 Crew Breakdown
Command section: 7 officers and 23 ratings; Engineering section: 13 officers and 113 ratings; Gunnery section: 2 officers and 18 ratings; Flight section: 1 officers and 30 ratings; Service section: 12 officers and 108 ratings; Medical Section: 2 officers and 3 ratings
HULL
Hull: 0.000 Td; MCr 4,800.000
Armour Factor-0: 0.000 Td; MCr 0.000
ENGINEERING
M-Drive Factor-2: 3,000.000 Td; MCr 2,100.000
J-Drive Factor-5: 3,600.000 Td; MCr 14,400.000
P-Plant Factor-5: 6,000.000 Td; MCr 18,000.000; +3,000.000 EP
FUEL
P-Fuel: 3,000.000 Td; MCr 0,000
J-Fuel: 30,000.000 Td; MCr 0.000
Scoops: 0.000 Td; MCr 60.000
Purification: 66.000 Td; MCr 0.462
L-Hyd Drop Tanks: 0.000 Td; MCr 0.000
AVIONICS
Bridge: 1,200.000 Td; MCr 300.000
Computer Model/8fib: 22.000 Td; MCr 140.000; -9 EP
WEAPONRY
50 x Missile Turrets: 50.000 Td; MCr 112.500
50 x Laser Turrets: 50.000 Td; MCr 150.000; -150 EP
50 x Sand Turrets: 50.000 Td; MCr 37.500
SCREENS
Nuclear Damper Factor-6: 12.000 Td; MCr 38.000; -60.000 EP
CRAFT
10 x Asst Craft: 650.000Td; MCr 1.300; Cost of craft: MCr 0.000
ACCOMODATIONS
1,200.0 x Staterooms: 4,800.000 Td; MCr 600.000
Cargo: 1,500.000 Td; MCr 0.000
USER DEFINED
100 x Lux Suites: 2,000.000 Td; MCr 0.000; -0.000 EP
1 x Extra Lux Items: 4,000.000 Td; MCr 0.000; -0.000 EP