Spanish language learning forums - Using Indirect and Direct Object Pronouns Together

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Using Indirect and Direct Object Pronouns Together

On StudySpanish.com, it says that when using D.O and I.O pronouns together, you should change the "le lo" to "se lo" to avoid the tongue-twister effect. Here is an example of what I mean:
Nunca se los compro, instead of Nunca le los compro (I never buy them for her)

But what about in this example that they have on their website?

No se lo tengo.
I don't have it for you.

Why wouldn't it simply be No te lo tengo because there is not a tongue-twister effect, right?

Muchas gracias!

le = you (formal) (3rd-person)

le lo :bad:
se lo :good:

te = you (informal) (2nd-person)

te lo :good:

The cacaphony is avoided with only the 3rd-person IOP.

Oh, I see. I wasn't thinking about the Usted form. Thanks for pointing that out!