Hello All, this is an interesting discussion. My life over the last 80 years was mostly spent in Massachusetts and I had two hobbies: golf and model railroading. Of course, golf was not played in the winter or stormy weather so model railroading was mostly a winter project and the days that golf was not scheduled. I was also fortunate that I was able to extend my education after fulfilling my military obligation (4 years active duty and 2 years inactive reserve in the USAF) by working at a major corporation with an excellent defined pension.
My big ticket spending for model railroad equipment is essentially over except for something that is announced and I believe that my model railroad absolutely needs it. (One of these is the B&M passenger train that is shown in Lionel's 2020 catalog #1)