Hello MelF
The online facility is no more expensive than buying the tickets at the train station. Credit Union does sell cheaper tickets, but you can't reserve a seat using this option.
I would reserve a seat if possible, 3 hours is a long time to be standing! If you can't reserve it might be because they are using one of the older trains that don't have the individual seats or the little windows they insert the reserved seat information. Alternatively just ring the station and ask them why you can't reserve. They should be able to confirm the price of the ticket also.
If you can't reserve your best bet is to get to the station early, half an hour beforehand at latest, and then you can be in the queue for a seat - unfortunately you usually have to stand in the queue.