Thank you so much for your valuable comments.  I, truly, had thought it would be a simple plug and play but, even considering the very detailed SoundTraxx wiring instructions and videos, it seems like a daunting task and I'm going to take your advice.  I do realize the tender is screwed together but I recall reading where some components snap on and should be removed prior to trying to locate and remove the first (?) set of screws...

Just received the HO DCC Ready Bachmann American 4-4-0 Santa Fe - how does one open up the tender - folks at SoundTraxx recommended a decoder (Tsunami 2) with a cube speaker for installation into the tender.  The Bachmann schematic isn't that helpful (I'm a Newbie) pointing at what needs to be unscrewed, etc., to access the inners where the 8 pin connector is that I will have to remove.  Help!

I am set to purchase the Bachmann 4-4-0 American Steam Locomotive - Santa Fe #91, HO Scale and was hoping for decoder and speaker recommendation that would fit into this loco and comes with a plug for the 8 pin decoder - I do not want to have to solder any connections...help!