Unlike their E-unit sisters, cab units of the F series didn't have space for a steam generator (or at best a very small one). Railroads that used Fs as passenger engines instead of E units (usually railroads like Great Northern or Northern Pacific who found E units couldn't climb the mountain grades like the Fs could) had steam generators only in the B units. So, if you wanted to power say a 4-5 car local with an F3, you'd also need a B unit with the steam generator...even though the one F3 could easily pull the train itself.
That's one reason railroads bought EMD's FP engines, one FP could haul the 4-5 car train by itself since it had the power to do so and the steam generator too. Of course, other railroads bought the FPs because they added another steam generator to help heat the cars in harsh climates. In an A-B-B-A set of F units, only the Bs would have steam generators. With FP A units, you'd have four generators producing steam.
BTW Northern Pacific engines had to create so much steam heat in the winter in the Rockies and Plains that they had special baggage cars with water storage tanks running right behind the engines to provide enough water so the engines could produce enough steam.