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Since I don't have a layout myself, I'll just tell you what I would do with $1K and a 4x8 HO setup - I'd keep the scenery simple and get a double-loop with an inside yard. I'd spend the money on the trains themselves, figuring if I enjoy the trains I'll slowly add scenery and realism, but initially I'd want to have trains running (one freight, one passenger) and maybe a switch engine in the yard with a few extra freight cars. The guy who admits he'd spend $1500 is right, either build a $900 set and give yourself $100 in contingency money or plan on sending just over $1000, maybe $1100-1200 to get what you had in mind for your $1K. Will kids be running this, just you, etc?
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