Thanks for the responses. I use an Nvidia 1060, and have 16 gig memory and SSD drive. As I haven't experienced any problems so far, I'm going to go for it populating UMR2020. Good to know there are no built-in limitations in Trainz.
I spent 3 years building a route, Fort Worth 1925, in Train Simulator 64-bit. Big route, lots of assets used, and I thought the 64-bit TS could easily handle it, but alas no. When I started populating the route, I got crashes. I'll have to patiently await further developments with TS. In the meantime, Trainz 2019 has been wonderful. This is NOT a bash TS post. I love it too.