It's always important to exercise caution when downloading and installing software from unknown sources, especially if it seems too good to be true. VirusTotal is a reliable tool for checking the safety of files, but it's not infallible. It's possible that the file you downloaded could contain malware or other malicious code that simply wasn't detected by any of the security vendors.
Even if the file is clean, it's important to be aware that downloading and installing software from unknown sources can still pose a risk. You never know what kind of data the software could be collecting or what kind of vulnerabilities it could introduce to your system.
If you're interested in using the train simulator, it may be worth doing some research to see if there are any reputable sources for downloading it. Additionally, you could consider running the file in a sandboxed environment or on a spare computer to help reduce the risk of any potential harm. And, as you suggested, examining the file itself could also help to shed some light on what's going on inside.