Occupied arches.
In the real world, there are no standard dimensions for viaduct arches as they are built to meet local needs. Most viaducts in Trainz are splines, and each creator chooses his/her own dimensions although the arches can be varied by the user both in height and (to some extent) width. Consequently it is impossible for a third party to make scenic objects of occupied arches which would meet
every need.
However, my experiments suggest that something is possible provided that certain parameters are agreed. First, occupied arches are found in relatively low viaducts in an urban setting and five to six metres is a practical limit for the height of the arch opening - anything higher would be too costly to build the infill, and the space created would not be suitable for use as commercial or industrial premises. An exception could be the modern trend to use arches for residential purposes. Second, judging by photographs, relatively narrow arches are converted and I suggest accepting 8 metres in width. Fortunately, this suits both my own viaducts and those in TS2010 (built-in) by MB (mike10) - of which there is a good matching set typical of the UK.
As a result, I have experimented with a plane (only 2 polys) measuring 26 feet wide by 16 feet high (I prefer to use imperial standards) which approximates to 8 metres by just under 5 metres. and used a texture from one of my shop models, a double-fronted sandwich bar (two-sided texture to make the object easier to see in Surveyor). The results are shown below.

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The viaduct by MB is raised from ground level to 5.7 metres (height of track above base) and my own viaduct to 6.5 metres; the difference is due to the depth of brickwork above the arch and can be determined only by trial and error in Surveyor. I feel that both results are acceptable. In each case, the width of the arch is set to minimum.
Given reasonable photos to work from, it would be easy to make a series of arch infills of the same size. I have many photos of shops which could be edited to suit, and of modern town houses to make residential units, if there is any interest. I have very few photos of small industrial units, but could of course create some textures in a graphics program.
A few more thoughts:
It would be possible to use two scenic objects for each occupied arch: a brick, stone or rendered plane as a basic infill, and a 3D frontage for each commercial or industrial enterprise - a building of shallow depth with no back or roof. The basic infill could have greater height, and be adjusted down from base level to suit a particular arch; the frontage would obviously need to rest at base level.
A spline would not be appropriate for occupied arches, as this would lead to each arch infill being identical, which would not be realistic. However, a spline could be used for the basic brick etc. infill, to cover a succession of arches, with a different scenic object then added to each arch.
It should also be remembered that arches were frequently cross-connected by smaller arches, so that one enterprise could occupy more than one.
Those are my thoughts and I would very much like to hear those of others. As they used to say in exams (at least in my youth - a long time ago) - Discuss.
Ray