P&D offers kits if I'm not mistaken. I believe they run a few Hundred bucks if memory serves me correctly..... Either way, even when purchasing a loco from Ebay, then adding sound, LEDs, etc. It still runs me about $400.00 average. And the last sound kit from ERR I installed, worked beautiful until I closed up the shell and put it on the tracks. ANd nothing'.. $115.95 down the drain... A lot has changed since the 1940s. Back then almost all modelers built their own Engines, box cars, structures etc. As the years passed, the practice stopped. And it has become a very expensive hobby in many respects.... A reason HO became so popular, besides size and space required was cost. Now with sound, DCC, etc. HO is also becoming expensive.....
I love building train kits, and I'm thankful there are still some out there on EBay".. But I'm old school'... and have developed patiences..... 😉