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OLD DAD: Yeah, I've brought up the insulated wheel issue before on other threads here. Most steamers these days are insulated at the "tire" level. A contact ring of metal to the rail, insulated and then slipped over the wheel hub. This mostly for the Drivers. For the trucks, often the wheel is insulated where the hub joins the axle. Either way, and both are used depending on model quality, it prevents a wheel/axle assembly from ever completing an electrical circuit thereby shorting out the track itself. Most concientious makers these days KNOW that a steamer MAY want to have powered track for other reasons like accessories, OR be able to run on a sparker's layout.
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