Doing some math since one question didn’t get answered: what is the payload hit, really? I’ll use the Telstar 18V launch as a starting point since it is at the limits of F9 reusability and we don’t have to worry too much about them wasting excessive margin.
To start, let’s do a consistency check. The Flight Club link above says that MECO (main engine cut-off) happened at 3642 m/s, the initial prop load was 412.7 t, and prop at MECO was 23.4 t. We know from elsewhere that the S1 dry mass is 22.2 t and we can compute the S2+payload+fairing mass as 116.4 t. That makes a total of 551.3 t.
If we run it through the rocket equation (online calculator here) to calculate the specific impulse (Isp, the efficiency of the rocket), we get 303 s. The Merlin engines are rated to run from 270 to 311 s depending on the ambient pressure, so this is a good match against average performance.
For the second stage, we know that it provided 7418 m/s of delta V. Since the first stage is gone and the fairing got deployed early on, the initial mass is 114.6 t. The Merlin Vacuum engine has an Isp of 348 s. Again going through the calculator, we get a final mass of 13 t. The payload and dry mass of the stage are 11.1 t, so it seems there are about 2 t of remaining propellant (not much considering the starting point).
Now that we can see the Flight Club numbers are sensible, let’s see what happens if there’s no landing. We’ll use 303 s for the first stage Isp and leave 3 t prop at MECO (not nearly enough for a landing, just a little bit of margin so that the engines don’t accidentally explode by running dry). We now get a MECO velocity of 4035 m/s. That’s a pretty nice improvement.
The second stage now only requires 7025 m/s to achieve the same orbit. But now we can’t use the calculator because the algebra is a tad harder. We have to solve:
dV = ve*ln(m0/m1)
7025 m/s = 348s * 9.81 m/s^2 * ln((107.5+p)/(6+p))
2.06 = ln((107.5+p)/(6+p))
(107.5+p)/(6+p) = 7.85
p = 8.8
If I’ve done my math right, then SpaceX could have sent 8.8 t to the same orbit (with the same margins) if they had not reserved an extra ~20 t of landing propellant. That means they lost about 20% of payload capacity against the actual payload of 7 t.
Different orbits, different payload masses, different landing sites, different margins, etc. will of course all change the result, sometimes significantly. And my numbers here are not exact because I don’t have access to SpaceX’s trajectory calculator, but they should be reasonably close.