Scott,
I hope your classes and finals went well. This of course is more important than Trainz stuff, although we sometimes beg to differ!
I agree, how does Jim do that? I've done only a tiny bit for myself, and boy oh boy was I done in by the little bit I did. It took me so long even with professional graphics programs!
Are you using a program that has layers such as Canvas or Paint Shop Pro? This will save a lot of time reskinning since the base unit is there and all you're changing is the base elements, but still it is time consuming and to me too painful.
The Boston and Albany had New York Central paint at the end of their life, just before Penn Central took over. I vaguely remember seeing the famous Grey and white stripes with Boston and Albany on the locos and cars instead of New York Central System. There were plenty of RDCs with Boston and Albany on them. They eventually were pooled together when the MBTA took over commuter operations. I rode on a few of the commuter cars and RDCs in and out of Boston on the Haverhill line (now the line to Portland Maine) during the 1980s. Anyway, they became a subsidiary of the NYC in 1885, but continued as a wholly-owned independent subsidiary which would explain the similar paint scheme but different name.
Good luck and take your time. The end results will be worth it in the end.
John