Your basic power also drops from 40 to 32. Smaller power plant. At TL 12 that is 1 MCr/ton. So call it a total cost saving of 1.5 MCr, of ~52 MCr = ~2.9% savings. That actually understates it as you are most likely making a non streamlined hull so the hull price drops not from 10 MCr to 8 MCr (close hull) as you are not streamlined any more increasing the savings over all to 2.5 MCr or ~4.8%. You of course would only use this in areas where you didn't need to land or pay price premiums for service as a non landing ship, so old well established areas with lots of patrols and little or no pirates.
Your maintenance costs drop that same percentage. You use less power plant fuel. Your mortgage drops by ~10000 Cr/month.
Losing the ability to jump to a pirate attack ALSO keeps the pirates from jumping out with the ship. Saves you MCr even if you have to refit compared to buying new. If you drop the tank yourself you run away from the pirate at 1.25 g giving more time for help to arrive and if it does you can recover the tank. If pirates are a big issue I'd want a 2 or 3 g drive anyhow and this would up those to 2.5 and 3.75 g respectively giving a greater chance at escape by dropping the tank.
Now apply this to large ships of 1000 tons and more and as the shipping line executive give yourself a big bonus for up front and operating cost savings over the life of the ship.
Specifically regarding streamlining, if you are going to compare an all in one hull to a hull that operates without dropping its drop tanks, you should be comparing an unstreamlined or partially streamlined all-in-one hull, not a streamlined one, since the latter has paid for significant capabilites. The all in one ship should also be a close hull. Unsure from your post if you included that. As was already mentioned an open structure hull internal tankage is the same base cost as drop tanks, so they're actually more expensive to install there before you look at other factors like powerplant.
So going with a close structure for both options the all in one is MCr8 while the 160ton hull with fitting is MCr6.48 plus the MCr1 drop tank (which does not benefit from the close hull discount, unlike the internal storage), or MCr7.48, a cost difference of Cr 520,000.
Good point about the base hull power requirement. But a TL12 Powerplant provides 15 power per ton, so you only save 0.53 tons, which is a saving of MCr 0.53. I make the difference MCr1.05, which is admittedly not nothing.
The partially streamlined all-in one hull still retains advantages - it can skim and is able to land on planets that an overall unstreamlined hull cannot, although the drop tank version could always sacrifice the tanks to do so, and if they just detach them (and maybe stow them in cargo, or leave them in orbit) instead of using the drop tank procedure I don't have a problem with recovering and reattaching them, especially if empty.
A 200 ton hull ship can also mount two hardpoints. A 160 ton ship with 40 tons of drop tank can only mount one. But that's unlikely to be a major issue for a large commercial ship anyway.
For my money, I think a better design would have a 20 ton internal tank and a 20 ton external one on a 180 ton hull, or for the 160 ton hull to have some internal tankage, or some other configuration that makes sense for the jump capacity desired. That retains the ability to jump if something happens to the tanks as well as the ability to return to base to get them replaced eventually.