TT is an "accurate" scale, but 1/55 is going to look a bit slim next to chunky wargame figures. Have you considered On30? A smidge bigger than true 28mm but figs will fit on it easier and the track gauge is HO so it looks alot more realistic. I think there are even a few almost affordable (a relative term to be sure) trains sets from Bachman and it's certainly ALOT cheaper than 5.5mm on TT.