Going to limit you to A/B/C starports though, right? Which isn’t a bad business/ship design thing for more settled areas.
This is where interstellar customs rules come into play.
LBB2.81, p9:
Goods taken on in orbit are delivered when placed in orbit around the destination. Goods taken on on a planetary surface are delivered when offloaded on the surface of the destination. This custom applies to cargo, passengers, and mail.
At any location with a class A, B, or C starport, shuttles routinely operate between orbit and world surface. Typical shuttle price is Cr10 per ton and Cr20 to Cr120 per passenger.
Pickup in orbit = deliver to orbit.
Pickup from surface = deliver to surface.
This means that as long as you stick to a route of A/B/C starports only, you can always do orbital pickups and deliveries.
It's only when you're dealing with D/E/X starports that you'll need to touch surface for unloading and loading (or bring your own shuttle service with you). Type E/X starports are (by definition) "austere landing sites" with next to no cargo handling infrastructure available (aside from what you bring with you).
However, if we're thinking adventure class types, they probably will on rough fields, keeping in mind ground pressure.
As a Referee, I would stipulate that streamlined hulls have superior ground field performance and are thus "better equipped" to handle especially austere landing site conditions (including water landings).
If you add complexity, this might require local brokers to book all this months in advance.
This is where charter services can enter the picture.
Basically, your ship sells its capacity for passengers and freight to a 3rd party (or multiple third parties) and then it's their responsibility to scare up enough passengers/cargo to fill up your manifests. Basically a Transport As a Service (TAS) business model. So long as your operations can turn a profit on charter ticket revenues, it's potentially profitable for everyone involved.
The third parties would be selling tickets at full price to customers, but paying 90% of those ticket revenues to the starship operation in charter fees ... keeping 10% of the ticket prices sold (assuming the charter party can fill the manifest completely). It's a way to "outsource" the flow of passengers and cargo freight to local businesses. Note that this business model works best when operating on a pre-planned schedule, rather than when working as a wandering tramp free trader. It CAN still be done as a tramp free trader, but the business relationships work on more of a "catch as catch can" sort of ad hoc basis, rather than being something more routine with a predictable timetable.