Fwright,
You’re not wrong in your thinking. You’re in a comfort zone with the system you’ve grown accustomed to, and that’s cool.
However…
I opted for DCC when I started building my layout for numerous reasons. First, I had tried it at my club, and it was love at first sight. All of the control functions are in the palm of your hand, including programming the decoders, making and breaking up consists, and running your train. On my MRC system, I can have up to 25 addresses (individual locomotives or consists) at my disposal without ever having to throw a switch on a control panel.
As for cost, if you include walk around throttles, constant lighting for headlights and passenger cars, multiple train control and accessory control in your DC cost estimate, the two really aren’t that far apart. To get the three Control Masters I would need to do basically what my layout does (a main line freight, a local working the mill, and a yard switcher) would have cost me around $600, plus the wiring, plus the throttle jacks, plus the toggle switches and control panels… I paid $200 for my Prodigy Advance, and another $100 for two extra throttles. I can use 8-pin phone jacks from Radio Shack for throttle jacks, and between the three throttles, I can operate up to 75 locomotives individually AT ONE TIME.
Decoders? Yes. They cost money. I got good at installing them, now I do that for others, so decoders pay for themselves now.
Now, my layout is pretty complex operationally. There’s branch lines and junctions and big yards and industrial areas. But it all runs on one black wire, and one white wire. Yes, there are lots of drops, but they’re about 6" long, and they don’t need to be strung to a control panel.
So, my experience demonstrates that it isn’t more economical to use DC (at least not always), and that if you’re comparing operational apples to apples, DCC wins every time. Th