Nice beginning of your layout. If you have any questions this is the place, they've helped me out plently of times.
Dcc is nice but it isn't a nessesity. I'm still running regular old DC and am pretty happy with it.Evetually I'll probably convert but it you're just running one train at a time Dcc might not be worth it.
However if you do decide to jump into it:
Depending on how close you live to the US border you could drive across and pick one up. My wife and I do two big cross-border shopping trips each year and save alot of everything from groceries to hobby supplies.