@morgen: Yes, I agree. I only use the short tgv’s and they are not very effective, but I really like the so I keep tinge as my flagship trains and finance them via other lines. I really much use the available s-bahn mod a lot for the rest.
And you can easily alter a city for lower cost when first building you train station and then additional streets around it so that with ongoing time the city grows around it. But don’t forget to reserve some space with tracks for future expansion!