I've done California Zephyr and Southwest Chief. I've not gone the whole way because my ultimate destination was Durango CO.
As far as the trainsets go, they're pretty much the same. As far as scenery goes, I think the California Zephyr is nicer, because one piece of desert looks like another piece of desert. It was kind of sad blowing past these tiny towns with a Santa Fe depot long abandoned.
I used to ride coach, until I couldn't sleep in a coach seat, and then got a roomette. They are indeed expensive. At least the sleepers have showers and you get your meals included in the ticket price.
If you're going to do the rail experience, why not take the train from Tampa to DC, DC to Chicago, and then Chicago to SF? Yeah, it's big bucks, but if you're going to do it once, it might be worth it. Up to you, obviously.
It would be worth calling an Amtrak agent to see if there are any promotions or discounts for such a trip.
Whatever you decide, you'll enjoy it.
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