Madison, IN, the Saddletree Factory was fascinating. The downtown shopping district was fun to explore. We also stopped at one of the Civil War mansions, but this was on a Wednesday. It was my understanding that the museums would open especially for the cruise ship passengers if the ship were scheduled to be in port. Since we had a second day there due to high river water, we would have had to pay to visit these places on Thursday.
The fountain was more of a get off the bus, take some photos, and get back on the bus when it comes around again.
We didn't see the Railroad Museum, but the attached historical society museum was interesting. We just wanted to be back on the ship in time for lunch and couldn't do everything.