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So even when initial products you get can be some rust, some 100-worth trade item or even planet-specific plants, which are trivial to acquire in much shorter time just walking around, a maxed out settlement can give you the most expensive trade items.
If you leave it be and come after a week or two when you need cash, you may see 999 gek nip or other quantum-something stuff and you'll need space in your inventory to carry it, too. The drawback is you will almost always have to fly to a different system to sell them at a non-discounted price.
Well, the latter part can also be said about making money from activated indium farm, but there you have much less variables. You set up a farm with expected hourly yield and stroage size as needed and you return when according to your calculations it should be full. You then go to a different system and sell it. So from the pure money making perspective, mines are more predictable and also faster.
All this is just elaboration of what Dirak says above - you do settlements if you want a mini-game.
settlements, on the other hand, make you up to 999 of two different materials that you can then sell... it seems to me that this is to help you with setting up "trading routes" between star systems... i generally use the portals and go to the space stations in the systems that buy the materials my settlements make...
i'm not picky so i generally dump them into the commerce terminal on the station rather than waiting for NPCs to fly in and buy them... if the station i'm on doesn't really want the materials i have, i just go back to the portal and go to another one that's looking for those materials... pretty easy and takes maybe 10 minutes each time i do it... then i just continue on exploring and looking at the nice places HG has created for us...
It's not even close to the money output from my stasis device farm, but it's a fairly good amount of pocket change.