I've talked to them at length about this too. The issue is that, unlike the N5 and N5C, there are really only three main paint schemes they can do on them: PRR as Delivered, PC and Conrail.
Yes, they could do some variations on the latter too, and maybe even some very late PRR (I haven't looked into it), but compare that to what they've done on the other two cars and you can see their point.
Nah, they haven't done their homework. So many variations in Pennsy paint from focal orange to the yellow cupola. N8s had as many schemes on Pennsy as the N5Cs did, except for the plain World War II-era scheme. They has the same "region" and "division" assignments too.
This argument doesn't make any sense. They did that homework when they were doing the HO version. To wit:
https://www.bowser-trains.com/history/n8caboosehistory.html