Speculative trading is one use of a small ship, but there are several other reasons to make use of a J-3.
I don't see the A3 being a ship that's built in numbers and sold off the showroom. Instead, A j-3 would more than likely be a ship built in smaller numbers to exploit specific situations. Such as odd quirks of stellar geography, world placement etc...
It might be profitable for a small ship owner to Be able to bridge a gap in a cluster, or cut weeks off a route which requires a ship traversing several intervening systems to reach in a market in a J-1, J-2 ship.
instead of thinking along the lines of sailing ships and oceanic trading, think of trucking and interstate shipping...which would suggest another use for a A-3 vessel, as a Hotshot, or express vessel.
For those who don't know what a "hotshot" hauler is. They are smaller trucks that carry a limited load. However they will carry to specific locations, or run single customer loads that won't fill up an entire semi trailer. In addition they can usually handle unusual loads, or loads that require specialized handling.
Normally, Unless you pay for dedicated service, express service, or can fill up an entire trailer, most large trucking companies do not pick up your cargo then carry straight to the destination and unload it. they take the cargo to a warehouse, mix it in with several other loads headed to the same area. the ship it out when a full load is ready.
In real life Hiring a "Hotshot" truck lets a shipper cut days off his shipping schedule, in an interstellar setting it could shave weeks or months off a schedule. Or it might simply allow the shipper to carry loads other shipping companies won't carry.
if the owner is running hotshot service, or has a broker who finds him such jobs. Having a J-3 ship might open up opportunities for the owner. The custom nature of the shipping, and expedited service, would also allow him to charge higher rates than normal.