OK, current vehicle handbook doesn't have trains as an option. So I went back to.. CT I think, which has mostly comparable numbers.
In both versions the engine is 4000 per space. In CT it's from 4-30 spaces.
In CT the cars are from 20-40 spaces, and a TL 11+ engine can pull 4500 spaces (including itself).
So call it one engine per 100 cars. It's a bit more but meh.
A heavy grav vehicle (in current) is 80000 per space.
So my original price of 2 million, 150k, and 50 million was wrong.
If we call a grav car 30 spaces for simplicity (and to easily compare to a train engine), and each train car 40, then we get:
120,000 for the train engine. 80,000 for the train car. 2,400,000 for the grav car.
also in CT, the train track cost is 100,000 to 1,000,000 per km depending on terrain. We'll call this 1,500,000 for 1 mile of train track, but with 25k annual maintenance (instead of expected 1.5k, to reflect dealing with terrain).
Total train:
8,120,000 + 1,500,000 per mile of track.
8,120 + 25,000 per mile of track annual maintenance.
Total grav:
312,000,000
312,000 annual maintenance
So, with these numbers (which are the most basic possible, obviously we can customize with gadgets and doohickeys) we see that the numbers say that the initial investment cost would let us buy about 200 miles of train track per 100 cars in the train/130 in the grav vehicle.
However, annually, we can only afford ~12 miles of track per 100 cars.
Given this, we see modern North America as roughly break even, and you could do either trains or grav.
More densely populated areas would want trains. Less dense would want grav. Super flat boring terrain would also favor trains, since our assumption is fairly high on the cost per mile due to terrain.
(Note: the original math was roughly right about the ratio between train engine and grav, and roughly right for train car, but had the train engine as wildly expensive, which then made the grav cars (due to aforementioned ratio) wildly expensive.)
Edit: strictly, NA actually favour's trains, but I'd probably allow for a cost reduction on the grav cars of around 10%, as they can 'hold up' each other with the same principle of a train, where they have engines that go forward and the rest just need to keep themselves aloft while they get pulled. So I call it even anyway.