Hi!
Knocking on wood, I can say that over the last 55 plus years, I’ve never had a major catastrophe on any of my layouts - of my doing. Of course I’ve had the usual derailments and collisions and such, but nothing critical that couldn’t be brought back to as good as new.
I did have one situation that was not of my doing… About 12 years ago I decided I wanted to get a Tyco “ATSF” 0-4-0, that I would weather and put in a park display on the layout. This was the first HO steamer I ever had, so there was a little nostalgia involved.
I found one on Ebay, paid $32, and never heard from the seller. At that time, Ebay wouldn’t help on anything that small, so I was stiffed. So awhile later I found a second one, and it arrived and I set it aside on the layout near the edge.
As I was very involved with my employers merger and settling into a new position, I had no time for much else, including model railroading. But about a year later I decided to work on that loco, and discovered that somehow it had been damaged - with the tender broken in two, and damage to the loco headlight and details. It was ruined. To this day I don’t know what happened, but only can guess that someone knocked it to the floor and put it back on the layout and kept quiet about it.
Sooo, a year or two later I bought a third loco of this type, figuring I could get one good one out of the two. It was not easy, but eventually I did end up with one that I could use as a layout display.
But, a funny thing happened… I really didn’t want it on the layout anymore, and sold it on Ebay.
In hindsight, I should have just left well enough alone…