Working on the Druid Armed Yacht has led me to question if luxuries are too cheap. A Steward needs a stateroom (4 dTons, Cr. 500,000). Even if crew is double-berthed, the Steward takes up 2 dTons and has an up-front berthing cost of Cr. 250,000. Their monthly maintenance is Cr. 2,000 in salary and Cr. 1,500 in life support*, so Cr. 3,500 monthly.
The same 2 dTons devoted to luxuries provides the equivalent of Steward 2 (1 point per ton of luxuries), costs Cr. 200,000, and has a monthly maintenance cost of Cr. 16.67 (Cr. 200000 * 0.01% = Cr. 200 annually, divided by 12 is Cr. 16.67 per month). Over a year, the luxuries are Cr. 41,800 less expensive to maintain than keeping a Steward on staff, plus you saved Cr. 50,000 up front on reduced crew space (yes, it doesn't work exactly like that since there aren't "half staterooms," but for a volume/cost efficiency comparison I'm pretending there are).
Unless you have an extremely skilled Steward, luxuries are likely to be cheaper and more space-efficient than having a Steward on staff. My first impression is that the cost should be significantly higher, possibly as high as Cr. 1,000,000 per dTon to install, which would increase the monthly maintenance cost to Cr. 83.33 per dTon of luxuries. They're still quite a bit cheaper on the monthly cost than having a Steward, but now the up-front cost gives a reason for ships on a shoestring budget to not simply install a dTon of luxuries for every few staterooms so that they can carry High Passage passengers without needing a Steward on staff.
*While Life Support and Supplies on page 138 only mentions Cr. 2,000 per stateroom, the Costs and Maintenance table on page 137 lists in passing that double-occupancy staterooms pay Cr. 3,000 for monthly life support costs.
The same 2 dTons devoted to luxuries provides the equivalent of Steward 2 (1 point per ton of luxuries), costs Cr. 200,000, and has a monthly maintenance cost of Cr. 16.67 (Cr. 200000 * 0.01% = Cr. 200 annually, divided by 12 is Cr. 16.67 per month). Over a year, the luxuries are Cr. 41,800 less expensive to maintain than keeping a Steward on staff, plus you saved Cr. 50,000 up front on reduced crew space (yes, it doesn't work exactly like that since there aren't "half staterooms," but for a volume/cost efficiency comparison I'm pretending there are).
Unless you have an extremely skilled Steward, luxuries are likely to be cheaper and more space-efficient than having a Steward on staff. My first impression is that the cost should be significantly higher, possibly as high as Cr. 1,000,000 per dTon to install, which would increase the monthly maintenance cost to Cr. 83.33 per dTon of luxuries. They're still quite a bit cheaper on the monthly cost than having a Steward, but now the up-front cost gives a reason for ships on a shoestring budget to not simply install a dTon of luxuries for every few staterooms so that they can carry High Passage passengers without needing a Steward on staff.
*While Life Support and Supplies on page 138 only mentions Cr. 2,000 per stateroom, the Costs and Maintenance table on page 137 lists in passing that double-occupancy staterooms pay Cr. 3,000 for monthly life support costs.