My take on a light, cheap trader would be something like this:
100 Dt, J-2 & M-2 at 100 Dt, J-1 & M-1 at 200 Dt, MCr 20 (plus software) in quantity.
A 70 Dt central payload bay with a bridge and single cramped stateroom at the front and drive pods to the sides, something like a miniature Subbie.
The payload bay is 30 Dt modular for e.g. crew and passenger staterooms (or perhaps a cutter module), 10 Dt fuel/cargo section, and 30 Dt cargo. Additional fuel in Demountable tanks reduce cargo capacity.
An additional three 1 Dt modules can be loaded with e.g. better sensors, docking clamps, or Fuel Purif/Collapsible tanks.
Two drop tanks mounts for up to two 20 Dt external tanks.
Up to 100 Dt external cargo, optionally covered by a jump net (requires a 1 Dt module).
Standard modules include a 10 Dt habitation module with 2 staterooms and 2 Dt common area.
It can be operated by a single crew member and a lot of automation, or perhaps a full crew of three and a habitation module.
Standard configurations can be:
100 Dt with 20 Dt fuel, a hab module and 40 Dt cargo at J-2.
200 Dt with 20 Dt external fuel, 60 Dt external load in clamps, and 50 Dt internal cargo at J-1.