Good advice from Texas Pete regarding the TVS.
You want a Mouser electronics # 1.5KE36A TVS . Its bi-directional, you can't hook it up backwards. Send me your snail mail address and I will mail you half a dozen. I bought a bunch several years ago and don't need all.
You connect the TVS across the line like a short [on your pw ZW, wire between the "U" and "A" or "U" and "D"] if operating two railpower districts. Also install one "downstream" at your track connections. The ideal protection is to install in the engine between a hot wire and ground [engine frame]. But few tackle that. Remember you are wiring between hot and ground like a short.
A TVS is for arresting a voltage spike which won't trip a breaker as does an overcurrent surge.