I think the idea is that the fueled-up Starship in LEO would have already have most the payload inside since it launched. The only thing it would be lacking is

I think the idea is that the fueled-up Starship in LEO would have already have most the payload inside since it launched. The only thing it would be lacking is the astronauts, so they can come in a much smaller vehicle. That said, this contract has astronauts boarding Starship in lunar orbit, not Earth orbit.