HI! ANd a BIG FAT [#welcome] to you!!!
Is this the set you bought:
http://www.wholesaletrains.com/Detail.asp?ID=200848391
The F7 loco and B unit will negotiate the 18R" curves, however the passenger cars may not do so well on the 18R" curves, so they included 22R" curves with the set.
The train sets usually have the bare minimum to get you up and running! So if Bachmann included 22r" curves , must be a reason.
Most plans for 18R" curves are for smaller locos {such as you F7 A & B} and smaller 40 or 50 scale feet RR cars. Your passenger cars are longer…not sure how much longer,but longer, and so may give you grief over 18R" curves.
Also, 4 x6 is not really enough space to get a double folded loop in. 4x8 would be better, or go with only a single loop around the board.
There are several 4x6’s here:
http://www.thortrains.net/nscale/homini1a.html
Here are some N scale 2x4 layouts that can kinda almost “grow up to HO scale” 4x8s:{just to give you some ideas}:
http://www.cke1st.com/m_train2.htm
Also, under “subscribers extra” on the black tool bar, if you subscribe, you cvna access their track plans, but don’t know how many 4 x 6s there are.
101 track plans and 101 MORE track plans may help you :
http://www.amazon.com/Hundred-Track-Railroaders-Railroad-Handbook/dp/0890245126/ref=sr_1_1?ie=UTF8&qid=1359078122&sr=8-1&keywords=101+track+plans