Todd
Don't know where you live but check out the train shows in your area. They typically have several at this time of year, depending upon where you live. A good chance to look over the product before buying, touch and feel do count, and also they usually offer good prices with none of the shipping charges associated with some of the web sites.
Also, the local hobby shops, LHS, have an abundant supply at this time of year for you to peruse, and perhaps buy.
I've just got back into the hobby a year ago, >60 year old, and did so at a train show. Bought a kit, Athearn Super Chief, which my wife used to take from Chicago to LA in the 50's. Brought back memories for both of us and its success has led to a 9x6' layout in the garage. I know that buying individual parts generally gets more(selection) for less($), but the kit is great for starting up again, especially for an entry level enthusiast.
Find an idea, memory, theme, era and look for a kit that will make it happen. Athearn and Atlas make good ones, and I have seen several Bachmann ones that were attractive, but would prefer myself to stay with the Athearn and Atlas locos, especially for diesel.
George