A better question would be the "why the 48 inches?" 51 inches has been a standard North American car floor height for a long time. I would suspect the answer is history. The 48 inch elevation long predates the ADA requirement in the CFR. There has been the long time thought, for no real reason I can see, that the platform should never be higher than the car floor, and there should be some allowance for spring compression, wheel wear, etc. 51 inches does not mean 51.0000 inches. It can vary up slightly due to car sway or off level standing, and vary down an inch or more due to wheel wear, rail wear, and sway and off level in the other direction. The reality is that if the track is on ballast, over time leveling and lining will usually result in an upward creep in track level due to addition of ballast, or relay with heavier rail. The horizontal gap to train in NEC high platforms is likewise due to history, but that one is essentially uncorrectable due to the need to pass standard width freight cars. Use of Shinkansen width cars would allow this gap to also be made ADA compliant as they are wider than the standard American passenger car. If standard European width cars are used, used, the gap situation would be even worse as they are narrower in width than US cars. My own opinion is that the platform level should be set to match the design car floor elevation and the design horizontal offset should be no more than 1/2 inch or so less than the ADA requirement. If you are concerned about a car sway or offset hitting the platform edge then set a taper on the last few feet of platform end, which should be beyond the last passenger doorway and tell the vehicle maintenance guys to fix your suspension and buff out the scuffs.