I heard that if you only have TRS2004, or TRS2006 ... if you buy a FCT ... you can download at high speeds ... but when your FCT runs out, you will not be able to download at all, even on the free server, at slow speeds.
If You buy 09 or higher version of Trainz, and you do not have a FCT, you can download at slow speeds, in TRS2004, TRS2006, on the free server.
Correct me if I am wrong.
The reason I still use TRS2006, is because laying track, in surveyor, is easy, with no layers ... and a 04, 06 route can be installed into 09, 10, 12 Trainz versions later on.