Howdy, Jim. [#welcome] to the forums.
If, as I surmise, you are starting from a bare plate, my suggestion is that you get a DC locomotive that is DCC ready, and the least expensive analog DC power pack you can find.
Design your layout so that you can build just a small piece at a time, get some track down and wire up that DC pack. Get wheels turning as soon as possible! That way you will determine if you are a builder (Take a bow, Mr Beasley) or a runner (guilty as charged, yeronnor!) Or, heaven forfend, you might decide that, like my wife, offspring and granddaughters, you’d rather play golf!
If you decide to become a `serious’ model railroader, then you should make your second and all succeeding pieces of motive power DCC and invest in a solid DCC system. Pull the jumper board on your first loco and replace it with a DCC decoder. You can recycle that DC power pack as a power supply for structure lights and Tortoise switch machines.
Note that this is a , “Do as I say, not as I do,” recommendation. I NEVER got wholly disconnected from model railroading and now have 74 years seniority. I’m building a double garage filling layout to a very specific prototype, time and location. I have a large roster and operate using a rather complex to install but very user friendly analog DC control system (the design of which has 38 years’ seniority!) OTOH, if I ever change scales (to On30) I would go DCC from the git-go.
Once again, welcome. Whatever you do, have fun.
Chuck (Modeling Central Japan in September, 1964 - analog DC, MZL system)