If you built an assembly line designed to build steam engines it would be cheaper to build them at TL 5 standards using TL 8 systems. As for 1 offs all ships are one offs their slight variations in all ships of the same class so that’s a wash. We build diesel engines because they have a better mass to power ratio not because they are easier to manufacture, they are not. It no more difficult to build a factory that builds steam engines than it is to build one that builds diesel engines.Yet that is the rule...
Don't build Scouts at TL-15 military yards, build them at smaller TL-12 yard to keep them going.
Would it be easier to build a steam engine at TL-5 or TL-8?
Now at TL-8 we have no factories building standard steam engines, so steam engines become expensive one-offs. A TL-8 diesel engine on the other hand can be supplied quickly and cheaply.
Today we build TL-8 ships, not ironclads or wooden sailships...
Today we build TL-8 ships we also build TL-7 ships, TL-6 ships. Freighters built today have little to no difference systems than those built 75 years ago. Your whole argument is assuming there’s no reason to still build lower TL and because we have more advanced TL stuff it’s just magically harder to build lower TL and that’s just not true.
To use your same example why do we still use TL5 diesel engines for most freighters and not TL8 Fission power plants? Many of the diesel engines being built today are no different from the one built durning WW2, exact same parts and specifications the only difference is they are cheaper to build now. Using your example most imperial Freetraders can not operate in the Trojan Reach since they can’t often get TL 15 parts.
This rule unfortunately is based on the concept that you are designing and building a new ship type which is not always the case. This is definitely a case of RAI with common sense injected instead of RAW ignoring common sense.