Well, the OP asked about our personal TUs, but as I do try to keep my TU as close to the OTU as I can, I accept the criticism.
The thing is, I consider it absolutely impossible to accept the X-boats, functioning as described in canon, as the main conveyor of information in the Classic Era, since the X-boat system is outclassed by various alternatives. So I can't keep my TU so close that almost all electronic mail ships via the X-mail system.
Note, however, that I do have all official correspondance going via X-boat. I just have the Imperial bureaucracy sending copies by IN couriers too.
As for civilian mail, perhaps the X-boat system is subsidized to such an extent that it is cheaper than any competition, despite its gross inefficiency. So people who don't care if their mail get through in seasons instead of in months use it and only those who want their mail to get through fast go by commercial alternatives. Sort of like air mail and surface mail.
Hans