The thing I marvel at is the tolerance and trust my parents had and how much they allowed us. I know several sets of modern "helicopter" parents who would go ape if their kid's train set started a small fire in the basement: probably buy them Nomex suits to wear and prohibit them from running them unless a hazmat team was on site. Looking back, I'm amazed that my Mom and Dad let us go on, particularly given our pencant for experimenting with cool ideas like launching locos from a ramp clear across the basement into my mother's laundry basket, etc. (That Marx 2-4-2 loco never failed, even though it was much the worse for wear from those times we missed).
Anyway, I have to say that modern equipment is worth it. The levels of protection in the ZW-L are awesome, and it truly seems "smart" with respect to understanding if it is seeing only a transient or something that does require it to step in and open the circuit. Much better than fuses!