At the end of the day, this is just another reason for a good fast acting circuit breaker on the typical layout.
Every time topic comes up:
Risk assessment 101
- What does even one single damaging event cost in repair?
- What is the highest dollar amount train or item that could be damaged?
- What is the chance of of an event or multiple events- per day, per week, per year?
What is the cost of prevention (cost of the breakers or fuses and wiring- maybe TVS diodes)? Pennies on the dollar compared to even one major event.
Bottom line, if a breaker or fuse prevents even one event from causing serious damage, it's paid for itself.