Chip, the SP didn't have many refrigerator cars in 1891. Using 1890 as a base, there were about 23,000 refrigerator cars in service but only about 6,000 were railroad owned. The vast majority of reefers were meat cars carrying dressed beef. Since it doesn't look like you have a slaughterhouse as part of your plan, it's unlikely that any outbound reefers would have been used in Rock Ridge or Train City.
The SP itself owned almost no reefers. An agreement in 1906 established the Pacific Fruit Express Corporation, jointly owned by the UP and SP. Except for meat, almost all other perishables were carried in PFE cars on the SP. PFE began operations in 1907 with a fleet of 6600 brand new ice reefers. At the same time, icing stations were built in 17 locations on the UP and SP, the largest being at Roseville, CA. So, long story short, moving up to 1909 would be much more in keeping with icing platforms and reefer cars.
The SP itself owned almost no reefers. An agreement in 1906 established the Pacific Fruit Express Corporation, jointly owned by the UP and SP. Except for meat, almost all other perishables were carried in PFE cars on the SP. PFE began operations in 1907 with a fleet of 6600 brand new ice reefers. At the same time, icing stations were built in 17 locations on the UP and SP, the largest being at Roseville, CA. So, long story short, moving up to 1909 would be much more in keeping with icing platforms and reefer cars.