Fuel tankage of 50 tons supports the power plant and allows two successive jump-1.
Is this the core of the issue with the Yacht?
I don't see what having an extra jump available has to do with anything.
If someone decides to spend 2 weeks of their 4 week reserve in Jump, well, that's on them.
Is it "best practice" to enter a system with only 2 weeks of life support? /shrug.
Honestly I don't think an extra week makes much of a difference in 99.999% of ship travel.
When ship travel fails, it's at jump. I don't recall many tasks that stick you out in the middle of nowhere, weeks from fuel, out of random chance -- except for the potential of a mis-jump.
Under NORMAL circumstances (maintained ships with refined fuel adequately far from gravity wells), Jump is perfectly safe. Keep your drives maintained, and they don't fail. These are civilian craft.
I remember back in the day, folks used to carry extra water for their cars going across the desert. It was somewhat routine, in fact, everyone seemed to carry the same type of container. Part of that was car reliability. The other part was distances between service. The third part was simply traffic density.
Unless you're bouncing out in the backcountry, pretty much no one does that any more. They don't need to. They don't put routinely put themselves in situations where they would need too. Once, we drove from LA to Nevada, and are car was having issues with the cooling system. We did, indeed, carry extra water for it just in case. But we knew we were "out of maintenance" and facing a potential problem.
Space is lethal enough, starships are expensive enough (you think they're expensive to maintain, wait until you have to actually repair them!), that Normal People outside of Living On The Edge Adventurers do not put themselves in harms way.
Nothing wrong with the fuel spec of a Yacht. I see no "loophole" here. Under normal conditions, jump can be done reliably and safely.