Access and electrical reliability
bonez;
The infamous Mr. Murphy's law will come up and bite you in the posterior, if you bury a turnout under scenery to the point that you "have limited access". Peco turnouts are very reliable, but any turnout needs occasional cleaning and maintenance. Access, good access, is a necessity not a luxury. If your turnout is going inside a tunnel, perhaps you can leave the back side of the tunnel open; or build some sort of door.
As for the most electrically reliable, or robust, turnout that would be one with an isolated, powered, metal frog and the jumpers you suggested.(For more info on how to wire the jumpers, see my old posts in the "General Model Train Discussion" section. Use the search function to find, "Improving Atlas turnouts" and "How I make my own turnouts" both by traction fan. These posts have photos of the jumpers.) The electrical switching (current routing) should not be left to the point-against-stock-rail system. Rails can oxidize or get dirty. Instead, use an electrical switch, like the Micro-switch built into the Tortoise switch motor. That switch's internal contacts are designed expressly for electrical switching and are protected from dirt by the case of the Micro-switch.
O.K., from an IDEAL electrical reliability standpoint, that's as good as it gets. In fact that's the exact arrangement I build into the turnouts I make. Whether you will actually NEED all those things, or not, is another mater. If you are going to mount this turnout in a difficult to reach location, (NOT recommended) then I would use a Peco "electrofrog" turnout in that location. The electrofrog has most of the electrical features listed in the preceding "IDEAL" scenario built in. You can wire it as described. In normal use, the insulfrog turnouts with plastic unpowered frogs, routinely work very well. As mentioned only short wheelbase, or limited electrical pickup, locos may stall on the plastic frog. Any loco with all-wheel pickup will not stall, because when some of the wheels are on the frog, other wheels are still picking up power from the rails. So, it's your choice. Personally, I tend to be "intentionally pessimistic" on reliability issues. I don't think there's any such thing too much reliability; but that's just my opinion.
regards;
Traction Fan:smilie_daumenpos: