research
Bruce,
You're on the right track! Reasearch, research, research... Then do some more!

Yeah, I know you wanna get on with it, but the more research the better!
Actually, wiring for DCC is easier than non-DCC, because you just have to supply 12V DC to every bit of track on the one circuit! However, the detriment to this, is you can only run one "analogue" loco at a time, until you install your DCC system (which is then a matter of just "plugging it in", and of course, the decoders in each loco).
DCC is quite expensive though, and will give you the option of running many locos in many directions on the same piece of track. However, if your layout is not big enough to run more than one loco... then why bother???????
I had no idea of wiring when I started Garahbara, however DID start a layout with the intention of throwing it away when I finished. The layout will have "one of everything" on it, just to practice. And you WILL, repeat, WILL make mistakes that you will have to live with, hence the "throw away" layout. BTW... I'm not ready to throw this one away yet, as I'm still learning.
Should you choose too, you can "block wire" your layout, and still use DCC later (just turn ALL the blocks on to the one controller) then plug your DCC system into that.
"Block wiring" is a very specific art and theory, and takes a lot of work, thought and "paper practice" to get it right for you and the way you wish to run your layout. DCC eliminates all of this, and gives you more flexibility as well!! So the decision is yours!
I'm not going DCC just yet. (It's on the list BEFORE I do the "throw away", because all the DCC equipment can be reused of course. Again... one of everything on Garahbara is the go, before moving onto the "dream".
This is why I do love my model TOOTs!

They have a bit of everything. Woodwork, electronics, pooters, photography, art, design, travel (to examine prototypes)...... the lot! Not just motors wizzing round this steel track thingy...... It's a lot more than that!
I have a fab book that explains "block wiring" in very simplistic terms. How & where to insulate etc. I'll see if I can post the article up here somehow.