Yacht "on a budget". I'm considering having the big lines use modular freighters to speed up their flights with module tonnages from the 30 ton to 50,000 tons as standards.
Instead of buying a yacht that sits around unused most of the time a wealthy/noble person could buy 1 or more 100 ton or 500 ton modules configured as "yachts" and ship as cargo on a freighter with all their luxuries in place. It is cheaper to buy/maintain and can either be docked at the destination or function as an independent space station or be landed and be their home at the destination. Even a 30 ton module would give them more luxury than traveling on a high passage but much cheaper than owning a yacht. Also the moment the ship docks your individual presence isn't registered the same as if a actual yacht shows up. The larger ones could even have docking spaces for a small craft as a run-about.
PCs get invited aboard a nondescript freighter about a job and get a surprise when escorted into a cargo module to find it is a luxurious mansion. Depending on size and their ship they may be about to be hired to carry it as cargo to a destination the bigger ship doesn't go to or it may just be a setting to impress them.
Any modular freighter/trader can be transformed by modules into almost any type of civilian craft. Science vessel, mercenary transport liner etc.