Creating 3d objects does have a very steep learning curve, but it is worthwhile learning how to do it. Starting off small, with boxes, houses and such like, is better than trying to jump in the deep end. Believe me, I tried it that way. After you are comfortable making buildings and so on, you can move towards rolling stock, and locos. Rolling stock is easier to do, in some cases, than locos, especially boxcars. Just take it slow, don't rush yourself and you should come good in due time.
Chris