STS wasn’t 100% reusable, it was partially refurbishable.

I think I have the reason for launching the people first, then refueling. Go fever.

Nope, still not thinking in terms of cost. Fuel is cheap, mass to orbit is cheap, so long as the system is 100% reusable.

You’re still thinking like old space. Go watch the presentation again, especially the parts about reusability. The cost of building something is high, the cost of reuse is low, the cost of fuel is low. Build a few things, reuse them a lot, optimize for cost not smallest amount of fuel or lowest number of launches.