Thanks to all who have responded so far. Sorry I haven't responded sooner. Some great ideas and suggestions, and much food for thought.
John, I've now added my email address to my profile, thanks for the reminder.
Simon, I agree I'd rather support the 2R manufacturers, but occasionally there's an item that is lettered/painted for a particular line that's not available in a 2R version but is in a 3R version.
Ed and Rob M, thank you both for your comments and ideas, and I will be looking at all of the options you presented in greater detail.
Catnap, thanks for the pictures you provided of your Lionel conversions, very helpful and nice work.
One of the particular items I was looking for was a 40' boxcar lettered for the West India Fruit and Steamship company. I had only seen this is in a Lionel 3R version, and this is what partially prompted my question. Now in perusing eBay, I find not one but TWO Atlas 2R boxcars lettered for it! And of course my buying is currently on hold for economic reasons! Murphy's Law strikes again. Oh well, maybe more will turn up later when I'm better able to buy again. If not, I can always get an undecorated version or two and paint and letter them. (And I see that decals are available for it from Walthers and/or other sources.)
The other item I would like to find is rolling stock painted and lettered for the Texas-Mexican Railway in its green and orange livery, but the only such offering in O scale appears to be from Lionel in a traditional hi-rail version. I haven't yet been able to locate any decals in O scale for the Tex Mex, but will keep looking. (Anyone know of someone who will do custom decals?).
Thanks again, gentlemen...my sincere appreciation to you all.
Kyle Evans
Houston, Texas