Gilgamec> I'd be guessing you've never visited a non-first world nation. I've been to a number of places where fridges and large goods are delivered short distances (less than 1 or 2km) by people-power. China is a really good case in point.
The only thing that really facilitates modern personal transport is oil. If we hadn't really developed oil to run vehicles, we'd probably not be driving cars at all.
This was all based on a thought experiment of "What happens if nobody really designed a car...?"
Conclusion: Rail becomes more "graduated", people transport goods around by a combination of rail, hand vehicles (carts, etc), bicycle-based devices and animal power.
To give you the delivery cycle of white goods, since they seem to be an issue of note.
"Westinghouse makes a Fridge in (Insert Town A) and loads it into a cargo carriage sitting on rails outside their factory. Their factory is like almost every other and has a rail-line immediately behind it.
The (Insert Rail Company Here) sends an engine to collect the various goods along the rail line behind the Westinghouse Factory that are to be delivered to (Metropolis B). Heavy rail transports the white goods, along with numerous other goods, to (Metropolis B).
At (Metropolis B), a number of haulage companies have warehouses immediately next to the rail line and unload into their warehouses from the cargo train. The train leaves.
Hand-based pallette jacks and hydraulic forklifts move and store the goods until they are distributed to the next step in the chain. In particular, the Westinghouse Goods are stored for shipment tomorrow.
The Westinghouse Goods are then moved from the warehouse out onto a hand-operated hydraulic cart, allowing the goods to be easily placed on with hand-operated vehicles. This if fine since the store selling this shipment is only a few blocks away.
Another shipment of Westinghouse Goods needs to be transported roughly 4km away. These get placed on the back of a bicycle-powered cart, like an over glorified goods rickshaw. Also loaded is a hydraulic-hand-palette-jack. The cart will be lowered down and the goods removed from the back along a gangway into the store. As the Westinghouse delivery is coming in, some of the store's delivery staff are leaving on another bicycle-powered cart to deliver what appears to be a washing machine, an armchair and a study desk."