Well, if you don't know the CTCSS tone, then you can't set it. Aircraft frequencies don't use CTCSS tones. Most railroad frequencies don't use them either, AFAIK.
If you don't know the CTCSS tone or DCS code, and don't set it, you will still hear what's on the channel. By the way, doesn't the 246 have a feature to search/find these codes? (most recent Uniden scanners seem to have it, at least the Trunktrackers..)
Going off the top of my head, here's the quick way to setup the BC246T to search for CTCSS/DCS tones on a specific channel. The manual can provide more detailed information.
1. Go to the channel you'd like to find tones for.
2. Press "E" and you will enter that channel's menu.
3. Scroll to the setting for CTCSS. Press "E" to enter sub-menu.
4. Scroll to "Search" and press "E". You will now be set to search for CTCSS/DCS tones being used on that frequency/channel.
5. Press "Hold" to return to the channel you were on, saving your changes.
The other way is to setup frequencies/channels as you first program them in -- use the same CTCSS/DCS menu as mentioned above. As long as you set it to "Search" it will display the tones when a frequency/channel becomes active.
The CTCSS/DCS search feature of the BC246T is so quick (I understand the BC898T is the same way) that it really makes it easy to find the tones being used.
It won't matter - you will still hear everything on the frequency. In fact, it's best to not set it for aircraft, as they don't use any CTCSS/CDCSS - as was mentioned. As was also mentioned, most RR frequencies do not use CTCSS/CDCSS.
Also be sure to program aircraft freqs in as AM mode, not CTCSS, DCS or FM. Also not to be rude, but on your next post can you take off your caps please.