> Train tracks are normally not precise to within 4mm anyway
Yes they are. Of course practical tolerances including allowances for wear and there are large enough that things can be made to work, but in terms of nominal construction tolerances for example, 4 mm can easily eat up all your construction tolerances or even exceed them.
I obviously don't have a in depth knowledge of Finnish rail, but have you ever looked at rail in the US? I can show you tracks with completely missing ties. Tracks that move vertically by a foot when the train goes over them. Tracks that visually snake all over the place. The difference is made by slowing down the train. Derailment at 3 mph rarely matters. The biggest risk is the conductor doesn't know it happened & continues to drag the car along the tracks
Where? Finland specifically, or elsewhere? Both my local tram system in Germany as well as DB as the national infrastructure operator in Germany have construction tolerances of only +/- 2 mm. Maintenance tolerances on the other hand can be quite a bit larger, at least in the plus direction (on the order of 15/20/25 mm).