Ok, I'm just going for the base model here, and it struck me that it SHOULD be able to mount a Naval Tug Adaptor. Unfortunately, the extra 10% of mass can only be obtained by dropping the engine down to 3/5. So I settled for "just" 100 tons of modular cargo. Like Wereling, I believe one more ton of Communications Equipment is warranted (which raises the minimum crew to 4). The installed fuel is a little anemic, but I figure 100 tons of cargo covereth a multitude of sins. I put enough armor on so that a single 20-point hit won't destroy the craft (the SI adds to the armor on each facing), and limited my Fractional Accounting to the SI and pumps. I figured 8 months of consumables was sufficient (assuming some of the cargo is fuel). It comes in a bit under 5.8M C-Bills.
Spheroid Small Craft
Prospector Tons Cost
Tonnage 200 x5 Multiplier
Controls 1.5 562,000
Crew Quarters 20 20,000 4xSteerage
Life Support 0 20,000
Sensors 0 80,000
6 SI 2.4 300,000
Att. Thrusters 0 25,000
Landing Gear 0 2,000
4/6 52 56,000 Engine and Drive Unit
Fuel Tanks 5 1,000
Fuel Pumps 0.10 0
Armor 4 40,000 64 (16 per facing)
9 Heat Sinks 0 18,000
Comms Gear 1 30,000
Modular Cargo 100 0
Consumables 5 0 250 Man-days
Subtotal 200 1,154,000
Total 5,770,000