QUOTE: A "professional computer geek" on a tight budget? You're pulling our legs. ;-)
QUOTE: I'm glad to see you're asking the right questions, as replacing couplers is definitely a hassle and and unessary expense, if you plan right. I encourage you to go for the M-T couplers, which is what I'm doing now that I'm getting back into it in my 30's (I own a lot of marginally acceptable equipment which I acquired while in high school). I'm not installing magnets under my track, either, just like I'm manually throwing my turnouts.
QUOTE: Do you already own equipment which you hope to use?