If you quit, then why were you trying to post?
People who make a point of saying they are leaving don't actually do it--the ones who do, just disappear.
EDIT: In fact, the post just above this one is yours, too. But you said you'd quit. Which is it?
I don't think you get a worthwhile track plan by limiting the number of track switches you use.
If you're going to use overhead, then learn to do it right, don't compromise your track plan to make the job easier.
You must be doing something wrong.
I've been at this for decades myself and have never had problems with track switches causing derailments, in N scale, HO scale, or On30.
Not many prototype standard-gauge railroads went in a circle, yet lots of model railroads do!
There is no reason On30 must be a point-to-point design; mine sure isn't.
Safest product is 91% isopropyl alochol.
It isn't caustic, doesn't have much in the way of fumes, and I have soaked cars in it for literally weeks (when I forgot them) with no ill effects.
Paint generally comes off in sheets with a toothbrush after an hour or so soaking.
Very cheap, in...