Cost and space dictate my choice. I could buy an Athearn HO RTR CP RS-3 for $128.95 or I could buy a Gold membership in Trainz for 54¢ more. I live in a small 3 room apartment. My decision is a no-brainer.
I had Lionel trains and later, HO trains and I enjoyed them, but always wanted more...
I have an i7-2600 3.4GHz/16Gb RAM/nVidia GTX 1650 w/4 Gb RAM. Trainz 22 runs beautifully as do 3-4 other sims. Your CPU is 4 generations newer than mine, so I think your bottleneck is the video card. You didn't mention how much system RAM you have. 8Gb might be enough. I recommend 16Gb.