Condottiere said:
If you're doing one gee, you have the possibility to break on the other side in one round.
If you do have limited manoeuvre, you may want some velocity in the direction of the next gravity well.
Although this does mean that you could build a jump ship with no M-Drive. It simply appears and disappears out at the 100D limits and tenders swap out the containers and refuel the Drive section for the new jump. I'd have to run the math, but this may actually be more commercially viable than building ships with both J and M-Drives. Basically Battleriders, but for commercial use instead of military use and the ships. One Battletender with a J-Drive jumps the load into the system, where it detaches and refuels for it's next jump, while a non-jump ship with just M-Drives moves the cargo around the system. Hell, you could even automate the whole process so that everything is done by drones except for the one guy who has to sit on the jump ship, so it can enter jumpspace. I couldn't see this happening in space where piracy was an issue, but in the more secure systems of the Imperium, sure. You have to remember to use the total displacement minus the cargo tonnage when calculating things like your Basic Power Usage, your maintenance cost, the cost of the ship hull, etc. This makes a J-3 cargo hauler with no M-Drive and 35k of cargo pretty cheap to buy as well as operate. Don't forget the docking clamps.

I checked the numbers at TL-12 and it worked well. Using TL-15 with drop tanks and it becomes almost free...lol... No more need for internal fuel storage and at TL-15, there is 0% chance of a misjump due to using drop tanks.
So, I have looked at this more and the "tractor trailer" theory seems to hold. I built the idea in 3 parts; part 1 is a J-1 Drive built for a 12,000-Dton ship and mounted on a 2,000-Dton ship, part 2 is an M-1 Drive built for a 12,000-Dton ship and mounted on a 2,000-Dton ship, and part 3 is a 10,000-Dton "cargo pod" with 2 Type V docking clamps and a small Power Plant to cover the power requirements for Basic Ship Systems on a 10,000-Dton ship.
The Cargo pod is loaded at the Starport with standard size containers, the M-drive drone attaches to the cargo pod and hauls it out to the 100D limit and docks with the J-Drive ship, manned by a sophont. The M-Drive drone then transfers the Jump fuel from itself to the J-Drive ship. When it is finished, the M-Drive drone disconnects and returns to the Starport. The Jump Drive ship and the cargo pod jump to their destination where another M-Drive done will be waiting to offload the cargo to the Starport. It is very efficient, requiring nearly zero life support, since there is only 1 sophont involved in the whole trip and that is piloting the J-Drive ship. He literally works for an hour a week. All maintenance is handled at Starports, since the M-Drive drone can also attach to the J-Drive ship and fly it to the Starport. and each cargo pod carries and emergency escape bod in the form of a 100-Dton jump-capable escape pod in case of a misjump.
The math seems to work out well in this economic model.