As Ters expressed already, there are no "transfers" in simutrans, passengers won't leave a train that takes them to their destination, to wait for a "better one". Implementing that, it's not a easy thing, there are lots of complications and aspects to treat. I think it's better this way.
The thing with this long distance loading preference, is that's suposed to be a simple change, that doesn't imply much extra CPU usage, it's simple, and solves many (maybe not so many) problems our players encounter when making long distance, multi stop train lines, that's a concept many players will tend to do, because it's something you find in real life, and even on games like Transport Tycoon. Right now the loading mechanism performs horribly bad, in train lines with more than 2 or 3 stops, that's what I tried to improve, it's a simple solucion and works good enough. And even that everyone in this forum *knows* the current implementation of loading performs horribly bad in this situation, I see that nothing it's done to improve it, just commenting in this thread, that I foresee, will end in nothing, as usual (even there are many good ideas and comments expressed here), because thay won't end being accepted by our leader. And you all know this is true.
One of the other things I liked about this solution is that opened the possibility of adding yet other loading policies to the game. But what I can understand is that other more complicated implementations of mechanisms related to that you were all talking about, are maybe not desirable for the average new user to simutrans. This is related to some of my personal thinkings about how simutrans is implemented, and what Simutrans Experimental is doing, and why they are separate projects.
My personal view of this, is that some or all of the new concepts implemented by Experimental, should be added to the standard simutrans, but in the form of plug-ins. So, simutrans should be just one game, with the ability to install plug-ins with extra capabilities, for example the "confort" factor of Experimental, or the more complicated routing present there.
Decentalization of simutrans development is a must, imho. We should be able to open this to all developers, and if one community plug-in is very popular, maybe ship it with the standard distro, by defaul. Current development it's struck, because of the strong censorship. Opening the game to third-party code, whould improve it's development quality. Simutrans must be made modular, and slimmed. But that is ofc, just my personal opinion, and this is off-topic here.