Because, for instance, you mentioned
Why on Earth (
) would a very large number of people be living on a world that had to rely on starships delivering their food and/or water?
I'm not aware that the discussion was limited to humans or Earth. I had assumed the subject blanketed trade and commerce in general. I suppose I should check the post again.
If it says "what sort of things would humans carry about cargo ships based on Earth technology only a bit ahead of our own" then perhaps you are spot on.
I checked the header however and it only says starships...
The notion that you see starships as humans in a low tech state would lend credence to your opinion. But even if we ignore the idea of aliens conducting trade and day to day (light year to light year? LOL) commercial trade, there is also the idea of humans in a far advanced state of technology.
The idea of self sufficiency still ignores the fact that needs from other regions be they food, weapons, materials not available where they reside, exotic products, or slaves, laborers, unusual chemicals or minerals, or whatever else is desired would still take place.
Example. You live on planet X. Your world is rich in mineral deposits. However in spite of being entirely self sufficient you lack the military strength to keep raiding worlds from attacking your world for its wealth and resources.
Perhaps a trade deal with planet Y is a good idea given that while they have excellent and self sufficient stocks and technology they lack the mineral compounds needed to further their production goals. And given that they are aligned with a hostile warring species from planet Z (supplying them with technology to support advanced weapons and ships) then a trade agreement and regular deliveries of goods and services between X Y & Z might be a perfect way to prevent planets A B & C from trouncing your miniral rich self sufficient but defenses poor world.
Just a simple example.
But I think that given the question of the thread was primarily "what" would be carried, the secondary reasons of justification are just as expansive or limited as the species or technology involved with said transports or cargo vessels.