Why not just make the actual train system immediate?
Personal train systems don't make that much sense to me, unless each train node costs 10 million, and only covered 10-20 squares of distance from one another.
Trains in post apocalyptia should be expensive. Maybe 100 Million instead of just 10 for added prestige. Then ENTIRE NCR doesn't have the capability to make trains from New Vegas to Cali, despite having pre-exisiting rails. Even Mr. House struggles to maintain the current monorail, which is dysfunctional(by his standards).