Joe- I live a few miles south of you in sunny, tropical Buffalo. When I put my railroad in 4 years ago, I floated my track in ballast. I used crusher run for ballast. Crusher run has lots of stone dust in it which helps it bind together well. It's a bit out of scale (okay, its way out of scale), but it holds up real well during our horrible winters. It still needs some reballasting each year, but nothing too bad. I was going to top it off with some smaller scale "decorative" ballast, but never got around to it. This year we are expanding the layout and I'm going to use the same method, again. Maybe concrete is better, I dunno, but it sounds like more work and it might do some heaving in the winter ( i do some heaving in the winter, too, but it involves a shovel and a driveway full of snow!!!). As for trying to sell your house with a railroad in the yard..... It would be easier to till the stone ballast into the ground than to remove a lot of concrete. Just some thoughts. Good luck.
-Kevin.