Gunrunnerjohn used to sell (and maybe still does) an audio player/recorder module with enough output to do any of the tasks suggested. It's a very versatile little guy. It didn't come with a speaker as I recall, but the speaker of your choice should work well I think.
I use 2 of these for local sounds played close to the source (tinplate Lionel backshop and 0 scale Lionel crane) and I am happy. For overall background, I use an old surround sound receiver with speakers under the layout, playing ambient sound CDs from Green Frog and elsewhere. I love those, especially the night time sounds.
When I am working on the layout, I use a separate old stereo system with radio, tape and etc. I often listen to old time radio shows or whatever on tape or CD. That has been VERY convenient.
Surround receivers are $40 or so at flea markets. Speakers are $5 each. Heck, the wire might cost more than the system.
Good luck!
Don Merz