I have the Lionel ATSF Anniversary Passenger set, which many people think is the best set they produced. Rather pricey anymore but really nice. It has ABBA Warbonnett F3s, and I think a seven (six?) car set, with interiors and figures. I added extra cars so I can run eight or even nine cars. Very nice set.
I also have the 3rd Rail ToT as you do and like it, although it is display only, right here in my study instead of up in the train room.
And the Lionel Legacy Blue Comet Pacific and a set and add ons: the cars have interiors but weird green tinted windows I don't like.
My favorite trains though, I assembled myself, and I would recommend this way to get a really spectacular train, on that is all yours. You can do research on the prototype itself and then research which manufacturers make what and shop to find the pieces, then buy engines and car sets or individual cars as you want, etc. My two favorite passenger trains were built up that way. They are:
My favorite: Union Pacific's City of Los Angeles: Legacy A-A E9s, MTH B unit (I actually found one with matching numbers!) and eight cars: all MTH's latest 18" passenger cars, including, if I remember well, the basic four-car set, a two-car add on set, a diner, and an observation car. And yes, all the color match, near enough, even though made by different companies. Lionel Legacy running smoothness and sound combined with MTH modeling detail outside and inside the cars: best of both worlds.
Next most favorite: B&O's Royal Blue. Baldwin A-A Sharks, again Legacy, a Williams B unit I renumbered, and cars with detailed interiors, in this case 15 inchers so it looks good on my #2 (60") mainline. Lionel I think, maybe MTH, I can't remember which - but all from one manufacturers but bought four and two and one at a time from different retailers as i found what I wanted.