Dream on Charlie. The high cost of today's high-end accurate trains is in due to the costs of more accurate research and die making to get precision scale trains. This was discussed in the pages of OGR magazine when they visited Sanda Kan.
Now add in paint masks, low production run numbers and parts that are unique to that particular train, which all increase the costs. There are people here who don't believe this, but the train CEO's have all said that it takes several sell out production runs of a new high end accurate train just to break even with the development and tooling costs. Not make a profit... just to break even.
Mike Wolf said at YORK this past year that every time he comes up with a new product idea, his financial manager looks at him and says "you're putting us in the hole even deeper."
It's much less costly to make a replica or a representation of a train car or engine. Even that is costly, but nearly as costly. Recall when Lionel MPC developed the High Cube box car in the 1970's and then did the Disney series which was done to help recoup the tooling costs. That was the 1970's on a car that did not have all the research and precision costs to make an accurate scale replica.
The trains of post war years were made with simple mechanical parts that were known to be robust. They were representations with simplified, not necessarily accurate details and were made in large quantity over an extended period of years (reducing costs). They very often made use of the same exact parts from one product to another. Jerry Williams admitted in his own words that the same trucks were used from one loco to another on Williams products to keep costs down.
Comparing the durability and reliability of postwar (and even MPC) trains to some of the new high-end trains is like comparing apples to oranges.
Actually modern era starter types of trains have a good track record. They have longer extended production runs, and use many of the same parts, which because of the extended production runs are time tested. The parts are simpler and robust and not as complex nor unique to that particular locomotive in most cases.
Lionel this year changed the handrails on the 0-8-0 to cast-in detail instead of the added ones. I don't mind... I think it's a good move, but there have many many complaints about it on this forum.
Going back to one of the original posts, I've got 4-4-2 Lionel steam engines with 22+ years on them and have not had a circuit board fail yet. That also goes for the lower end K-Line Alco's MP-15's and S-2's. I've only had one DC motor go bad so far. I've had to replace a smoke unit, but that is to be expected. And I had no trouble getting the correct replacement.
I don't need tiny motors with even tinier fragile gears to move the bell back and forth on my steam engines. I can use my imagination to see the bell move. Keeps the costs down and repairs too!