Same position as you on retirement. Went DCC from the start. Local Model shop didn't have a clue what DCC was about, then I got lucky.
Just as I was leaving in walked a guy, an expert on DCC, invited to his home and layout. Gone midnight I was fully understanding of the basics.
So where are you maybe someone can help.
Personal opinion/ My point of view/ Go for Peco Live Frogs, nothing easier, no extra mods to do, just installed a double Xover works perfect.
Used to control points via push buttons on the controller, waste of time. built a switch panel in the end.
I could go om but that's enough. Good Luck.