Len B,
I use the two software and they are complementary for me.
The 3D rendering in SCARM is enough to have an idea of what you think; sure, all is green and the buildings are not easy to create, but it's well enough for a free software.
ANYRAIL, for me, is the best, and they are working on a 3D rendering; more, you can transfere your plan on sketch up. If you use it for create the support of your layout, you can place the track plan on and check if all is good. Below an example of layout support in Sketch UP