If you don't mind the streamlined look, the BLI N&W J 4-8-4 is an excellent runner and would fill your requirements. Runs well on tight curves.
Failing that, try the BLI J1 4-6-4 Hudson, also good on tight curves. It was an engine designed for the NYC.
If you want something slightly smaller, the BLI Pennsy K4s Pacific 4-6-2 does well on tight curves.
You'll notice that I have a bias toward BLI so far. I can only recommend what I know, although I don't own the first I mentioned, the J. I also have a BLI NYC S1b Niagara 4-8-4, but its drivers were about 7" more in diameter than the J's, so its scale driver wheelbase is that much longer...meaning it isn't great on anything less than about 23". I had mine running on EZ-Track 22" curves quite reliably, but it isn't the best choice.
Believe it or not, you can probably get the new Athearn UP FEF to run on your curves, and I would guess that the same applies to their Challenger, an articulated engine that is a real eye-catcher. Be sure to investigate at their site, though, to make sure you get an engine that will run on your curves.
Passenger cars are a whole nuther matter. The cheaper ones from IHC or MDC Roundhouse can be made to run well, but they will take a lot of work. I finally banned all my such cars, and now run a set each of Bachmann Pennsy heavyweights and Walthers NYC heavyweights...they run well and look quite good. Also, each comes with lighting provisions, although you have to instal something on the Walthers as an extra...but the sub-frame infrastructure is all there. The Bachmann set is fully lit. It increases weight and therefore towing resistance, so don't expect to tow long strings of heavies up your 3% grades...ain't gonna happen. They really are quite heavy, and will also need lubing to run nicely.
There are other choices. Bachmann makes some very nice Spectrum class engines, including their own Pennsy K4s, a heavy mountain, and a superb smaller 280 Consolidation that was model of the year back 7 or 8 years ago when it first came out...not too sure of the exact year.
If you do get something that doesn't work, sell it on ebay and buy something else. Also, as you probably know, all manufacturers stand solidly behind their names and their products. You can be sure to eventually have a fine runner if you should happen to get a lemon.