There's another way. You buy the two-rail version which already has the scale handrails and fixed pilots and then you buy the hi-rail wheelset.
I actually was on the way to do this. I purchased the Heritage version of the SC-70ace with the 2-rail option with the full intention of buying the 3-rail wheelsets, but when the engine came in I was unhappy about the quality. The sun-visor was broken off and the diamond-plate tread on the running boards was buckling. I tried running it with the scale wheels, but it didn't like going through the Ross switches. The wheels worked fine on the non-switch Ross track.
When the engine came back from MTH, it was actually worse than when it left so I returned it to the train dealer and paid more money and bought the four unit A-B-B-A Norfolk-Southern F3 reincarnation of their business train excursion engine. This engine too had quality problems with paint blistering. I again sent it back to MTH, but this time it came back fixed.
While I'm not in the market right now, I may try this again someday since I really don't like swinging pilots. On my track diameters, I don't need them and they're a distraction.
