It's important to look at refuel per jump, unless you're only stopping to refuel once in a while and take longer during those instances.
Just looking at refuel time per total fuel capacity can be a bit of a misnomer, or misleading metric, if you will.
I also generally get along fine with a small fuel tank though, as you can plot for scoopable stars and the like now too.
I'm much more of an explorer than trader though in the game.
The way I see it, you have to wait for the FSD cool down anyway, so might as well be scooping.
You also have to travel around the star, so might as well scoop.