That's a tough call. Keeping things easier to reach would be preferred, but I have spot on my layout were the track runs in a sort of trench around what will be a town and I just do not like the way it looks. Perhaps you could put that turn around underground? You could have a retaining wall further up as the track makes the transition kinda like subway portal that goes from street running to underground.
If lowered, I was debating whether to do as a subway, or just sunken. I guess I could have included in the original question. Maybe have the subway "open" along the edge of the bench/fascia, and have a station platform (i.e., the station is where we're standing and looking in).
Gary, The shed has an electric plug-in heater. We're only a mile from the Bay, so there are few days in the year when AC is needed; most afternoons, especially in summer, are foggy and breezy. We don't even have AC in the house! You can see the progress in the JACALAR benchwork thread. More than just the benchwork, you can see all the progress to date (more photos will be going up later today).