Most of us have these El Cheapo Chinese figures in their file. The task is, to bash them into turn of the century style passengers. Seems to be quite a modelling / sculpting challenge.
I have some of the Preiser 1 : 24 figures, dressed in suitable costumes.
They sell some seated figures suited for Viktorian / Edwardian periods as well.
Of course, one has to bring some money. If I remember right, today they are about 10 Euro ea. One reason, why many Gardenrailway coaches run empty. I had a chance, to buy 18 of them twenty years ago for 60 Deutschmarks.
The Heyood coach came out very well and convincing. It was a very good idea, to shorten the model. In scale they´d be approx 10 Inches long.