That's going to leave you very tired.... First of all there is nothing to do on New Year's Eve here. It isn't like the US. Families are at their homes celebrating with eachother.
The next few days after are when people venture out in droves to pay their respects to their temple of choice, which also involves a lot of drinkign and eating. This can be fun for one time in your life and then you are good.
The banks are closed here, everythign is closed, so yes, bring money. See where you want to go too, before coming here and look them up and make sure they are open. New Year is the one holiday where EVERYTHING is closed.
You should be fine with the train seats on these days as people are usually already at their families' homes. Get a Rail Pass though for sure to save money, but that is a pretty crazy trip..
Good Luck!!!!