The rules have always been poorly suited for really differentiating passenger traffic from glorified freight. People with money are always going to be willing to spend it for better accommodations and food - history has proven this time and again. And freighters aren't going to be able to charge premium high passage prices, so they should all be considered maxxed at middle. True passenger liners, especially larger ones, are going to focus on coddling the wealthy and keeping the rest contented. Think of the golden age of passenger liners crossing the Atlantic in the late 1800s and early 1900s.
Smaller models for J-6 ships would be, as mentioned up-thread, the Concorde. After oil prices shot up in early 2000s, a seat on the Concorde cost you about $7k in todays' dollars - for a one way trip. Seats were comfortable, but cramped compared to what you got in 1st class on a 747. But the wealthy paid the costs gladly since the 747 moseyed over at about 570 kts and the Concorde around 1,400 kts. Basically the trip's time was cut in half, allowing for limitations with supersonic operations. Today you have subsonic aircraft with small apartments on board that are still profitable even though they aren't always occupied. Starship passenger economics are wonky, at best.
So will there be J-5 and J-6 passenger liners? Yes. Will they be 200 tons? Probably not. And they will only exist between planets that are sufficiently wealthy and populated to justify the very high prices for the tickets. Couriers will exist as well, but again they will normally only be seen in the wealthier portions since they still cost credits sitting in orbit.