... You might think "Well, we can hear the train coming." Guess again... Trains are not as loud as one may think and by the time they get into sight it's going to be too late. Once the engineers sees you on the tracks, he's not going to be able to stop in time...
Everyone should take heed. Most people think that trains are incredibly loud because they are used to watching them as they pass by. And, often a train can be heard coming at you from a safe distance.
But, when conditions are exactly right, it's possible to not even hear a train until it's almost upon you. And it isn't just when it's windy, or just when there's lots of background noise, there are a bunch of seemingly random times when trains just don't give much warning.
Personally, I feel like the political correctness of the situation is a non-issue. The most important factor is the possibility that a photographer could contribute to someone's death just to get an over-done cliché of a shot. Go ahead and risk your own life but don't screw around with someone else's.