I guess I might as well throw my two cents in here.
Sometime back, my daughter gave me a Lionel 225E + whistling tender for Fathers' Day. 225Es are fairly common, but since this is a prewar train, it calls for metal cars. I love the metal, but not being into trains for many years, about passed out when I saw what one single metal car costs if it is really detailed. So far, for the really nice ones, I have seen prices mostly between $100.00 and $200.00. I have been scrounging around Ebay to buy at least four cars and a caboose for this engine so my daughter doesn't think I just let it sit. Found two simpler less expensive cars, but still need more. I guess later on, I will bid on the really nice ones every so often. I have seen train sets up to $1500.00. In my opinion, collectors are ruining this hobby by driving up prices so high. Lionel keeps coming out with remakes, and they are very expensive. Accessories are equally as high.
I am also in HO. Wasn't until my son gave me a Bachman Monopoly set (1996) last Fathers' Day. It has all the cars, transformer etc. What my son didn't know was the engine (steam) was broken on the side that goes down in the box. Rest of the set looks like noone ever used it. Sent it to Bachmann to see if they could do anything. They said they could put an up-to-date motor in it, but told me the body part that was busted (where the pushrod goes into) wasn't available. However, when it came back (very fast service) it had the body part fixed. Guess they found one. Cost, if you can believe this, was a big total of $15.00. I told the lady "you mean for postage right?" She said "No, that is for everything."works great. So, like the Lionel, I am somewhat tied into HO too. Besides, like was said, HO is so much cheaper.
Now, my only gripe about HO is that I haven't seen any real moving accessories, such as log loaders, coal loaders, etc. Lighting towers and stuff like that can be made out of wood and painted to look nice. Too, with all the LED stuff available at Radio Shack, I am sure I can come up with some signal lights of different types. Will be fun to try anyway.
Jack
P.S. If I don't reply back for a few days, it is because I am having my second heart Ablation tomorrow. Word is that the second usually fixes the rhythm problem.