I have always used the NMRA gauge as a place to start. The 3 rail wheels do not follow any standard that I can see depending on manufacturer and date. If one is using a true t rail track, it helps to check the track gauge all around.
regarding the wheels, once set to NMRA gauge, the wheels will likely be too tight and you can adjust until the truck tracks everywhere.
On switches there definitely is no 3 rail standard.