For people like you and me, there is none.
When the 30 minute install was conceived, it involved editing app.yml with a tool like nano (I’m an Emacs user and even I prefer vi to nano). Having people edit copy and edit two files and bootstrap and start both of them in the right order is on the order of 10 times more complicated. Now that ./discourse-setup is how most people configure Discourse, the setup part could be exactly the same for a two-container setup. I’ve looked in to doing just that & it wouldn’t be very hard.
But even still, with two containers, there would then be a bunch of problems with the data container wasn’t running and then no one would say which way their site was configured and that would be a lot more complicated to help out. Most of the time the web-based upgrade works just fine, and so unless you’re changing your plugin config, there’s not that much of a win for the two-container setup.
I think soon that I’ll start offering a two-container setup along side of my $99 install, but I’ve not gotten around to it.