Another route would be to do a couple of pieces yourself. Start with a boxcar or gondola or the like, paint and decal it. Get a feel for it. Try a locomotive that is not expensive or "important" to you. Sometimes a cheap piece or two (not required to be 1:48 scale or powered) at a train show will give you some learning experience. It can be fun and gratifying in its own right. You do this a bit and perhaps that fancy pants loco won't look quite so intimidating.
In some ways steamers are friendly, as they typically are some form of "black" (I use dark gray automotive primer for weathered black), with decals, and then Dullcote. Usually little masking/striping. Friendliest of all are solid-color diesels or electrics (except for those pesky windshields).
If you learn to do it well enough (it's like getting to Carnegie Hall - practice, practice) to please yourself, then you won't need someone else. Cheaper, too. And you can brag.