Build a ship at 200t and you are required to have an engineer or two and a medic - that's two to three extra crew staterooms (8-12 tons) so a 188-192t ship has the same passenger/cargo potential as your 200t ship.
The real kicker on that difference is the life support and crew salaries, in addition to the expense of the tonnage. It's something I found out as a natural consequence of using a 194 ton hull for my
Spinward X-Courier and
Spinward Flex Courier designs, where the design imperative was to keep overhead costs below Cr 12,500 per jump so that a paid off or subsidized ship could operate at a profit on every jump simply based on the guaranteed Cr 25,000 in revenue from delivering mail cargo.
With a crew of 2 (pilot, gunner) I could get away with Cr 4000 in life support (2 staterooms), Cr 3500 per 2 weeks in minimum crew salaries plus Cr 100 for berthing fees per jump ... a total of
Cr 7600 ... which met my goal of under Cr 12,500 per jump.
Even with a more skilled crew of 2 (pilot/navigator, engineer/gunner), overhead costs would be Cr 4000 in life support, Cr 6600 per 2 weeks in crew salaries plus Cr 100 for berthing fees ... a total of
Cr 10,700 ... which still met my goal of under Cr 12,500 per jump.
Change the tonnage from 194 up to 200 and suddenly I needed to add 2 engineers plus 1 medic to the crew requirements.
With a crew of 5 (pilot, chief engineer, engineer, medic, gunner) overhead costs would balloon to Cr 10,000 in life support, Cr 8700 per 2 weeks in crew salaries plus Cr 100 for berthing fees ... a total of
Cr 18,800 ... which completely blows through the goal of staying under Cr 12,500 per jump.
So those extra 6 tons (194 to 200) would cost 12 tons in stateroom space for 3 extra crew members and Cr 11,200 extra per jump in life support and crew salaries, threatening the reliability of the absolute minimum profit margin per jump. Even if the change "worked" from a Naval Architect standpoint of allocating tonnage, it "didn't work" from an economic imperatives standpoint when needing to "survive profitably" on mail cargo deliveries alone (so actual cargo hold space would always operate as "bonus pay" in practice).
That kind of absolute low end minimalist design is only possible in the 100-199 ton hull code: 1 range, since anything larger simply becomes too big/expensive to do the job on a "fixed" Cr 25,000/12,500 per jump mail cargo revenue stream alone.
Bottom line, it depends on what your operational constraint imperatives are whether or not the hull code 1 or 2 exchange "makes sense" in the final analysis.
Sometimes it will ... such as when you want to have more than just 1 hardpoint for whatever reason.
Sometimes it won't ... and when it won't, it REALLY won't.