Pete:
I have an HO layout in my basement, appx. 8 scale miles of mainline track from staging yard to staging yard. I am located in the Chicago IL area, so dust is not a big problem. The layout rooms both have suspended ceilings to cut down on dust.
I am running NCE DCC. I have had no issues with dirty track, but I do occasionally run around a Centerline track cleaning car with the roller coated in light machine oil.
With a constant appx. 13.5 VAC on the track, the signal is not as susceptible to dirt. I've had my track get so dirty in sections that I literally ran a razor blade over the top of the rails to get off the accumulated dirt, and equipment still ran, the dirt came off in curly strips. That occurred after five years of operation.
All of my rolling stock has metal wheels (mostly all are Intermountain or Kadee replacements). Occasionally I will take some of my "problem children" and clean the wheels on the motive power (usually the Proto2000 diseasels, and the Proto2000 0-8-0s.
I've had less problems with dirty track in HO than I do in three rail O.
Regards,
GNNPNUT