Value for your money means two things to me. The brand that has the best quality for the least price and the vendor that gives you the best combination of price + service.
I really love my LHS. I do not always get the best price there as the internet can beat just about everything, but they have always helped me with product problems whether they have been "free fixes" (I have gotten a few) or warranty work. Plus they KNOW trains and what makes them work. I like being known by my first name and even being harassed a little (they know it takes me a long time to decide on a purchase) in a friendly way. If I ask them to keep an eye out for a certain item they will either do that or order it for me. I am not a fan of "preordering" and, in fact, never heard of that until I entered this hobby. I did preorder a Lionel item once from my LHS and waited, and waited, and waited. I finally told the store to forget it. Then, of course, a few weeks later the item arrived.
Brand wise I am pretty evenly split between Lionel and MTH with a few others in the mix. MTH predominates slightly. Once a freight car gets past $40 my mind sees it as probably a little to expensive. I started out with Railking and they are not too bad. For larger buildings I balk at about $120. I have to say that I think my Menard's power plant at $99 seemed to be a great value. Most of my buildings are MTH. The Woodland Scenic Express buildings have great detail which I like but, well, they are up there. I do have a few.
I have learned for the most part that modern trains do not have any investment value. When I am gone I am sure that my family will get, at best, 30 cents on a dollar - so I buy them for my enjoyment, temporal as that may be. It does occur to me that for non train lovers their disposal can even be somewhat of an aggravating experience.
Since that are a forum sponsor I will end by putting a plug in for Trainworld. Probably my very best deals have come from this store. I get their ads just about every day and they are always worth perusing.