ixion, sorry for being so late replying but, I've just found this out.
If you use the MaxPermittedSpeed rule and then edit the;
extensions }
        max permitted speed-60850
line in the config.txt file of each piece of rolling stock (not engines), you can set different speeds for each AI train depending on which car it's coupled to.
In my copy of TC3 I've edited the rolling stock as follows;
Unfitted goods waggons - 25 mph
Fitted goods waggons    - 35 mph
Passenger coaches        - 55 mph (currently, still thinking about this)
Brake vans                   - 60 mph (I left this as is for the moment)
I've still got some experimenting to do but, it appears that the first car coupled behind the engine controls what the maximum speed of the train will be. I ran the Thames Clyde (Ride) session earlier today and the train averaged 52 - 53 mph getting up to as high as 56 mph a couple of times. The train arrived at Carlisle Station either 6 minutes late (if you consider the engine passing the beginning of the platform as the arriving point), or 7.5 minutes late (if you consider when the train stops as the arrival time). This in a scenario where the AI usually beats the schedule by 20 minutes.
Hope this helps. Dave