Tender style really depends on what era you model. The original tender and engine with full streamlining only ran that way during the war years. When the PT tenders came along the streamlining started to come off. A few years later diesels took over so the less streamlined PT tender trains only existed for a few years right after the war.
Who knows, Lionel may elect to sell the PT tenders separately later as they did with the earlier release.
Pete