John, thanks for the explanation. That makes sense. I guess I was fixated on using bridge rectifiers. Probably from reading too many Radio Shack electronics books.
BTW, I plan to always include the 22mh choke in my passenger car lighting circuits, even though I mainly run TMCC. Since they are passenger cars, who knows what is going to be pulling them in the future.
Also, as a precaution, I plan to use the 22mh choke in any circuit that is directly connected to track power (such as accessory activation). I believe that would be the same as putting a passenger car on the track, or probably worse because it's there all the time.