Al,
On the bright side a lot of the rolling stock in O scale is easily convertible
between 2 and 3 rail. Locomotives are obviously a little tougher. Weaver models
makes a decent GP38-2. I don't know if they've made a CSX version or not but
they did have an undecorated model. Like you my eyes are not as young as
they used to be and O scale really helps in that area.
Geoff