You know, I've been thinking... For a family, or a group of settlers, to be able to afford a Far Trader, Free Trader or whatever ship they can, they are going to have a lot of money put into it and then they are not getting much back if they are abandoning the ship at the end of their journey. Even if they get a barely functioning used ship and try to save money by doing only minimal maintenance it is still a lot of money and the resale value is going to be miserably low with so many other similar ships from all the other settlers. And using it as the worlds most expensive house is kind of a waste too...
On the other hand, you could have them travel by low berth and putting their money into paying cargo fees for transporting the tools, vehicles, animals and pre-fabricated buildings. Rather than having a "wagon train" all the way across the galaxy you could start the wagon trains at the port on the planet. With Far traders emptying their cargo of settlers and their trucks and carriers and near constant flow of shuttles bringing in more settlers from the bigger freighters that can't land on the planet. Heck, they could simply land on sufficiently flat terrain in the wilderness close to promising looking lands...
I admit that this would harm the original imagery of "wagon trains."