The only reason for going down to a planet to unload and load goods would be because it is either faster or cheaper to do so (or your client pays you better for the service)
right?
Dude! Shore leave! Don't you get tired of looking at walls and stars after a while?
...I like your notion about letting a non-streamlined hull do over just mach-1. ...
Eh?? A streamlined hull does over mach-1; tops out a bit over mach 3 actually, for a 6G ship. A partially streamlined hull is limited to 300 kph, which is something like mach 0.25. A nonstreamlined hull shouldn't enter atmosphere without supports or protection of some sort.
The actual speed's a bit tricksy, because it depends on how you figure a 1G ship manages to take off from a 1G world (MT postulates an overdrive ability), and different size worlds have different levels of local gravity. Consolidated CT Errata 07 (is that the most current one?) has Striker errata with a speed table based on G's over local gravity. You can grab that for a table - and probably should since it supercedes the original Striker stuff.
Slightly sideways: does anyone know how long it takes to go ground to orbit? Only reference I know of is the CT bit about 120KPH air rafts needing 1 hour per UPP size and 1200 KPH (mach 0.98?) speeders being able to do it in a flat hour. I imagine atmosphere must play a small role, and I could probably run numbers, but I'm curious if there's any other canon bits.