That depends how realistic you want your economic model to be.If we look at the passenger volumes on the major trade routes calculated by GT Far Trader, we are looking at thousands of passengers per day, so worrying about not utilising the stewards fully is probably a minor problem.
TLDR: I tend to use 80% capacity utilization as a rule of thumb to account for economic fluctuations as well as unplanned maintenance downtime.
GT:FT doesn't have any method for economic fluctuation, it just calculates an average. Economies generally, and trade and travel especially, fluctuate substantially with economic cycles. Couple that with the large fixed capital costs involved, it will be difficult for supply to adjust through those fluctuations resulting in a boom/bust business cycle. We see that a lot in real world capital intensive industries.
Industry participants react to such an environment. If haulers can't change supply quickly, the big ones will size their fleets so that they can remain profitable on average. That will mean they aren't sized to fulfill all the demand in booms and let the independents pick that up, but they will suffer less in the busts as they gain relative market share versus indies.
Amongst this macro economic fluctuation, it will be difficult for individual ships to stay 100% utilized in their holds and staterooms as the demand and supply an individual ship sees changes with time depending on how much business is available for indies and how many indies are around to fulfill it. In booms, expect every ship to operate near capacity, but in busts, every ship will have a hard time filling up until enough indies are driven out of a given market. Hence, 100% utilization of capacity whether it is ships or stewards and staterooms will be unrealistic to achieve. I like assume 80% to account for that.