Thoughts?
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X-Acto and Zona make them. Either one will work, but get the higher tooth count per inch since you're cutting metal. You also need to get yourself a Dremel tool, fiber-reinforced cutting wheels and a matching arbor. There are large wheels available which are easier to work with. With practice, you'll find that you won't be using the razor saw much, but can cut rail pretty precisely with the Dremel.
At the club, when we cut rail (Atlas is the toughest), the Dremel is usually sufficient and we rarely use a razor saw. Hope this helps.
I have a Dremel Saw Max, but haven't cut any track yet. I made a simple jig to make it a cut-off saw for cutting track.
I've cut tons of Atlas with the Dremel and fiber cutting wheels, I can't imagine doing it with a hand saw! 
In the days when I used Gargraves, I cut it by hand. I did not have a dremel and did not know I needed one!
I found I had to put on the edge of the worktable or layout ties down and clamp a piece of wood across the tops of the rails to hold it in place, And then as you say, you a very fine tooth blade. Atlas also makes on with a plastic handle, or used. I find them to be the best.
The easy way to hand cut it is with a fine tooth (32) hacksaw blade in a good hacksaw. Make clamp blocks out of two blocks of wood to enable clamping the track for cutting. Clamp in vise or with QuikClamp.
Dremel Tool with reinforced carbon discs. Works every time and very easy make a very nice cut but like someone else in thread stated use the larger discs about 1.5 inches.
Please consider making yourself a miter box and in the base cut three grooves to hold the track inverted. John in Lansing, ILL
Thanks all
Use the Dremel. Quicker, safer and leaves a clean edge.
Mike
Dremel Tool with reinforced carbon discs is the only way.
I started with an Atlas Snap Saw, but graduated to a Zona saw. It gives me precise control over the cut and I cut each rail indvidually. I have a Dremel tool but I never used it for cutting track - again, I liked the control I got with the Zona saw.
Dale
Both the Dremel 456, (1 1/2" diameter), and 426, (1 1/4" diameter), cut-off wheels are reinforce. I have had the 402 mandrel break, the small screw that holds the blade in place. Use caution with these cutters.
The right angle attachment 575, allows for better positioning of the cutter.
Safety meeting of the day. Eye protection is a must no matter what cutting device you are using.
Best wishes.
Mike CT
Clean/true the ends. Bench disk/belt sander.
I am not aware of any razor saw that is recommended for cutting steel but Zona makes a small hacksaw with an offset handle that will cut steel. Model 35-600.
https://www.zonatool.net/shop/...-zona-mini-hack-saw/
Pete
Chop saw with fine tooth metal blade - I use a $49 chop/mitre saw from Harbor Freight - its good for cutting track but not much else
I hang Dremels with flex shafts around the layout for the host of cutting I have been doing. I just grab a local end and slice away like a dentist going after a tooth.
Use safety glasses on every cut.
Position your stock on every cut so a skip out won't slice your hand.
I did see GRJ's slick chop saw, That is a sweet tool. Nice for cutting at the work bench.
