Hi Rick,
Your words:
"Calling for a track inspector is usually nothing but a waste of time and resources."
All due respect, I disagree! Since most of the national rail system uses welded rail, much of it is under compression in summer, and trains in emergency stops on curves can up-turn an outer rail, but it falls back down into the plates at the final train stop. The trainmen have no way to see all the lifted spikes on the inside of the outer rail under the train. Then in the hot sun of the next day the rail is free to expand out and turnover under the next or another train.
I once spotted a funny looking outer rail on former EL Southern Tier and when we jumped out of the Hi-rail found it all turned up out of the plates on the inside. It was just ready to blow out. It got a new adjustment.
It can happen to the same way to the C&TS without welded rail, lifting the inner spikes of the outer rail, account of compression in emergency stops. The trainmen should be trained to get down and look under the cars at the inside of the rails from both sides as well as check the wheels to be on the rails, and not a flange on the head.