You guys are awesome and have given me GREAT information. I really appreciate it.
So I will go to the show next weekend and look for some locos to test and see if I can "play" with an NCE system. That would be nice!
So this is what I am thinking...find a loco, buy the 2 AMP NCE system (might end up using it on a switching HO layout down the road.) If I can't find a good loco for testing, I may buy an MTH -2 diesel. That way I could run it on 2 rail and if I decide to stay with 3 rail, make it run on 3 rail as @AGHRMatt does above.
I am excited about the show next weekend...I think they are having some clinics also.