@Jerry A-- I only had a couple, plus a 12v DC power board unit for powering their electronics. Of course they now cost more than they did in past. I built a circuit to operate the Lionel semaphore, with special attention to reduce the buzzing and heating in its coil (DC? I can't recall). So that's a pretty simple and obvious circuit. I have nothing to hand on more complex ideas-- most if any would have been on the backs of an envelope anyway.
Then there is the problem of mentioning someone not an advertiser (perhaps in past?). So an internet search phrase occurred to me. "Model tran detection circuits" was a little too broad although quite interesting, so I added to it "using current transformers". Really amazing what's out there now, compared to 30 years ago (my supplier/designer still comes to York and has diagrams with the gear, though). But anyway, you have on the net both cheap and simple (one window) and presumably cheaper by the dozen (four windows), and then bells and whistles (integral power supplies, output devices, and diagrams?). Love the searches that have the 500 little pictures.
You'll easily recognize the little toroidal coils with a round window, standing on two feet that carry the coil wire ends. I'm looking at a kit (?) with 8 of these widgets. However, not sure I would recommend even a kit to save cost, until one were very experienced at always making good, solid, and conductive solder joints. The thing is, if the coil terminals of a current transformer become open circuited, there will be dangerous voltages across them. So I definitely would not recommend designing one's own circuit, unless one really knows the way around these.
But the control outputs in the built ones are well isolated, sometimes by relays which can carry quite heavy (track) currents. So you don't have to worry about designing your own circuits on that side. That would be just the same as wiring the two-pole pressure switch that comes with the tinplate signal. I'd say they would be most useful where you used tinplate track and might otherwise have to insulate a lot of outside rail by hand for detection anywhere in a block. I did see one rated at up to 20 amps through the window. That certainly overcomes problems with using lighter HO-type circuits. I noticed one with detection down to 0.1 ampere, so good range can be had (0.1 to 20 on one, IIRC).
--Frank