You are not, but you should not put up strawman arguments including biologicals versus advancements in production processes to refute the rule zeroes of others. You are better than that.
Perhaps I wasn't clear enough. I used horses as it was one of the things for which demand hadn't changed significantly in the time period in question and for which genuine statistics were available. I was trying to point up the fact that the cost of horses had dropped by a similar degree to the Model T despite the technological advancements in the horse breeding industry not being significant in the period in question and that therefore they were cheaper for some other reason. Those reasons were likely similar for every other purchase in the period in question and so to argue that the price drop of a Model T during that period was wholly due to improved manufacturing methods is likely flawed.
I certainly wasn't trying to misrepresent anyone else's argument in order to defeat that misrepresentation more easily.
Good, Fast, Cheap. Pick two.
That has been a production reality forever.
The standard rules make construction faster with no penalty (10% per TL over 11). Good and Fast. Not Cheap
The budget rules give you Fast and Cheap. Not Good.
The rule the OP is looking for is Good and Cheap, not Fast. The rules don't account for that
Agreed.
There are other ways to get good and cheap but slow. DIY is the usual method as you save the labour cost. With small external fabs that are in the price range of the average person you could break the Starship down into smaller "slices" and spend as long printing each slice as you would the full ship with a larger fab. The materials cost would be the same the fab itself would be cheaper and the time taken would be commensurately higher.
More plausibly a shipyard might contract out to smaller less advanced manufacturers (like space ship yards) in the same system to free up time on their machinery for more profitable jobs. You might just use cheaper and less advanced fabs to build purely mechanical parts to free up time on the more sophisticated fabs, but then you are using lower tech to make a saving not higher tech.
By using fewer construction crew, the process is slower. Parts and labor are the major costs. The proposed mods trade Fast for Cheap, while retaining Good.
I am not sure that really makes sense. Labour costs are usually expressed in man-hours. It doesn't matter if you have 3 workers doing 9 hours of work each or 9 workers doing 3 hours of work each the job is still 27 man-hours. You might get a small inconvenience payment but I am also not sure how long you would need to wait for a ship for it to be a significant inconvenience. If you had to pay in advance then the opportunity cost for having cash tied up in a ship that cannot earn money would become painful but with the standard mortgage model that doesn't happen, you don't start loosing money until the ship is in your hands. Equally the shipyard doesn't get any money until the ship is completed so there is no advantage to them going slowly.
If you were proposing that you had to put down a low percentage deposit for the ship when the contract was placed, then I would be happier that a longer manufacturing time would actually be a benefit to the ship yard (as they get money up front) and a disbenefit to the purchaser (they have money tied up). The disbenefit offsets the cheaper ship and you could actually calculate in financial terms what that represents. As long as it is zero sum in the long run it would be fair.
And the penalty is that the ship needs higher TL parts to maintain it. IMTU, that equates to a premium, if you aren't on a high TL planet. And if you had a standard ship on a higher TL planet, the inferior parts would be cheaper.
Unless destroyed, a ship will pay for maintenance longer than it will a mortgage.
Higher TL parts is only a consideration if you pay for the yard to do the work and I am inclined to agree with others that any shipyard can perform the routine maintenance on any TL Starship (since the majority of ships components do not have a TL)*. Even for the few higher TL systems, the availability of parts a few TL higher at a class A port is quite high (using the CSC availability rule). If you use the SU system, SUs have no TL and you can buy enough to last months with very little space (and thus freight revenue loss) largely negating any disadvantage. Only the annual maintenance needs to be conducted at a shipyard of "appropriate TL". I would say this also applies to actual repairs since they are more invasive, but it will be the TL of the specific sub component (if it has one - so any shipyard can repair any Hull points).
Of course since you have reduced the cost of the ship, you have reduced the cost of maintenance as well, so this possible disadvantage already comes with a built in advantage.
* HG P43 gives us
While most options can be accommodated by any shipyard capable of building or repairing spacecraft, some require far more advanced technology, as denoted by any TL requirement.
Since this covers installation of components I am inclined to believe that maintenance of those options would be no more dependent on TL and in most case less so.