First, you have to have Microsoft Train Simulator, which can be had at Walmart and other stores for around $20. What comes with it is pretty lame! There are thousands of locomotives, cars, structures, scenery items, and custom sounds available for free download from the file library at the link shown, which is to the general forum for the sim.
There are some really excellent models, including a gorgeous K-36, with sounds provided by Earl, and edited/implemented by me. In standard gauge, there's an awesome SP&S 700, just like the one the City of Portland owns.
There are also a large number of routes you can download, ranging from just basic ground and track to very polished simulations. Several are Colorado narrow gauge lines.
The Sumpter Valley Railway is a route I've been working on for over a year, from 105' of profile maps, insurance maps, books, and questioning all the surviving locals (I live in Baker City). It is around a month from being ready to upload. There are many custom objects created for me by Tim Muir (stations, octoganal water towers, rolling stock, etc. Jon Davis; 250 and 251 mallets, 50, 13, 4, and OLC Climax 105, along with animated steam donkey engines).
Once you've tried your hand at the throttle of the K-36 on the Cumbres and Toltec, or run OLC 105 with 5 empties up the 5% grade and switchbacks on the California Gulch branch of my line, you'll be hooked!
Here's a scene approaching Boulder Gorge, probably the most photographed spot on the SVRy. Yes, you can run in any season, and many weather conditions, this affects traction. You have to sand the rails to start or stop in many places that are easy in the dry weather.
Compare it to the photos in Rails, Sagebrush and Pine.