Not sure if this is right forum as the Hallmarks Keepsake trains are not 12"=1'.
Just picked up the special collector golden 4449 Daylight Steam Loco. All it is is the engine alone, no tender, and the store catalog did not indicate a tender was made or offered as extra.
It seems that Lionel marketing would tell Hallmark that a steamer needs a tender. But given the way everyone is so young at companies these days, maybe no one in marketing realizes a steamer is not one piece like a diesel, but needs two pieces, loco and tender.
Of course too late to complain to Lionel or Hallmark as I imagine these were made in Feburary this year.