Andrew,
That frame under the walkway seemed like the most important base on the real locomotives. It was robotically welded from the considerably thick sheets of steel extending from end to end. The rest of the locomotive, including the walkway was either welded or bolted later, on to this frame.
Regarding O-Scale models, here are some images of an old MTH 2-rail SD70M-s from the initial run & an Overland SD70ACe made a year before the MTH. The SD70M-2 seemed to ride relatively higher than the Overland model. I speculate that the scale-wheeled MTH model used the same layout as the 3-rail version & ended up with excessive gap to allow the wider flanges on the 3-rail model to swing under the locomotive.
I haven’t heard hobbyists complain about the scale wheeled MTH SD70ACe from the recent runs. Either MTH lowered the model or hobbyists got tired of complaining here.
These are just my opinion,
Thanks,
Naveen Rajan