Hi!
I’ve been building HO kits since the early '60s, and have them from many manufacturers. In short, I have a lot of experience with building kits, and its one of my favorite things to do. To answer your specific question, Accurail kits are generally worth the money, fairly easy to build, and have a medium level of detail. I do add KD couplers and Intermountain wheels, and do a light weathering on the trucks, and a spray of Dullcoat on the entire model. One minor thing to point out is - in my opinion - the model is pretty well made and durable, with the exception of the bottom steps (forgot their name) on both ends of each side. They can break very easily, so be careful.
Ok, my advice is to try kits from several manufacturers, with the goal of getting the appropriate car, road, and build date to fit your layout’s theme and timeframe. May I recommend a few others…
Like a lot of old guys, I started out with Athearn “blue box” kits, and still have several of them. They are pretty basic, but with some added details they look pretty good. Also, they generally make great runners and everyday layout cars. MDC kits are pretty much in this category as well.
On the higher scale of difficulty, Walthers and Proto (Lifelike) kits are pretty nice too - and in my opinion a step above the Accurails.
And then you get into the Intermountain, Red Caboose, and some others are even more difficult and delicate models, but the finished pieces are really nice. Funny thing, all of my real craftsman kits ended up going in the display case, and rarely on the layout. They are delicate, and can be easily mishandled.
Anyway, “twer I were you”, I would check out particular cars that appeal to you from various manufacturers and enjoy what each has to offer!
Mobilm