Welcome to MTF, lonewolfwalker, glad you're here.
The reason to use oil specially made for today's loco's is the formula will not disturb the plastic gears.
Regular oil will eat away at plastic, destroying your gears.
I myself use LaBelle 102. I found it sticky enough to adhere to the gears while the trains are running.
No oily tracks to clean.
Make sure you wipe up as much excess as possible, that helps also.