The question (at least for the special case we're discussing, where in general ##T = \rho u u##) is not how it distributes the components of T, but how it distributes the components of u.
Consider a "hovering" observer in Schwarzschild spacetime, and take a local inertial frame centered on some event on the observer's worldline. At the origin of that LIF, the observer's 4-velocity is (1, 0, 0, 0). If we transform to global Painleve coordinates, the observer's 4-velocity at the same event is ##(1 / \sqrt{1 - 2M / r}, 0, 0, 0)##. So at that event, u still has only one component, ##u^0##, and therefore ##T^{ab} = \rho u^a u^b## will also have only one component, ##T^{00}##. But the mixed tensor ##T_a{}^b## and the covariant tensor ##T_{ab}## will have more than one component at the same event in Painleve coordinates, because the metric is not diagonal.
In the completely general case, transforming from a LIF to a general coordinate chart can cause ##u^a## to have multiple components; and in *that* case, yes, even the contravariant tensor ##T^{ab} = \rho u^a u^b## will have multiple components. But there are cases, as the above shows, where that doesn't happen.