John, I wholeheartedly agree with your approach considering the size of your loco roster. your layout size, your desire of full features, and most of all your ability.
Your layout's well worked out design makes more sense than my own in several ways. Your layout's end game is much more attainable than mine.
Mine is just growing like ivy meandering around the basement to five different destinations. I should have started this one 20 years ago.