I don't have the Accucraft 4-4-0, but the Bachmann 4-4-0 is almost exactly the same size. I run 1:20.3 passenger cars from AMS and one like the kits now available from Bronson Tate (and a scratchbuilt combine).
However, because the loco is model of a fairly small prototype, the smaller 1:22 coaches from LGB and Bachmann look pretty good behind it as well.
The good news (from a modeling standpoint) is that most narrow gauge passenger trains tended to hover around two or three cars long, so a "proper" passenger train--even with the more expensive 1:20 equipment--won't totally break the bank.
Later,
K