These are conservative estimates, and remember, the figures given are "full load amps", which you'll seldom see in actual service. I have a Powercab and I can run more than two units with it. I think for modern Atlas N I would consider 1/4 of an amp for normal service, .5 peak, and go from there.
This is like the old "stall test" for installing decoders. I never use it, because if you think about it, when do your locos ever actually stall in service? If properly designed, never. If they do stall, the motor is under sized, and don't buy it. They should slip when they exceed their max pulling power.
How many trains to you intend to have running...realistically?