I keep wheels clean, too and this "Birghtboy Dremel tool is often not needed there.
What works best for me in all but really the dirtiest situations is to put the train in a soft-cloth cradle upside down and use alligator clips to connect it to track power, then run it at about a scale 50 mph (i.e., not too fast, but not slow). I then hold Q-tips moistened with iso-alcohol against each powered wheel as it turns - when a Q-tip gets black with dirt I change out to a clean one, and keep cleaning each wheel until a new Q-tip does not turn black against it. I clean non-powered wheels with Q-tips, turning the wheel by finger.
I only use the Dremel-Brightboy tool on wheels when they are really dirty. I bought a Vision loco used recently and it had absolutely filthy wheels - covered with some sort of crud. It hardly ran which is why I got it cheap, i suppose. I used the tool then, and the wheels ended up looking new when done.
In my experience - confirmed by some "experiment" - operating problems are most often the result of the center rollers that are the "dirty contact" problem, not as much the wheels: for one thing there are usually fewer of them and for whatever reason on my locos they get dirty more quickly, and more dirty/caked.
I experimented some time back, cleaning only center rollers (but not the wheels) whenever i had a problem, just to see what happened, and that solved 80% or more of all of operating problems I have. Since then I always clean wheels, too, just to be sure, but I confirmed by doing that that it often is not necessary: its the center rollers that need the most attention.
I use this Brightboy-Dremel tool on all center rollers: I moisten a Q-tip and use it to wet down the roller, then position it under the roller pushing up gently to provide resistance to its turned, then just brush the top of the roller with the spinning wheel (at the Dremel's lowest speed) - the spinning brightboy wheel cleans the roller while turning it slowly against the pressure from the Q-tip below it.
The photo below shows the dirtiest loco I could find this morning, a BEEP that was on a high shelf and had not been run in a year or more. It ran before this cleaning, with just a trace of balkiness. In the photo, the roller on the right has been cleaned with the tool, literally, for only one second of this cleaning - and is as clean as when new. The one of the left, although clean enough that the loco runs, is dirty you can see. One more second of work and I cleaned it, too, and I did the wheels with Q-tips as described above (you can see a red alligator clip in place to power them. The loco ran ran "okay" with the dirty rollers - its major problem (as is often the case with dirty pickups and wheels) is that it would sometimes just not start when I tried to power it up but run once given a judge. But all cleaned up it was a bit faster and smoother at lowest speeds and it started dependably even at low voltages.
