It really is seriously narrow sighted to be making statements such as: "Anyone still stuck on DC is doing themselves a huge disfavor". Good greif, were talking about how one pursues a hobby, choice is the most important aspect of all!
Thoughts such as the above are similar to people making statements like: one gage is better than any other! I recommend that you dismiss such thoughts and simply persue the hobby the way you want to persue it.
However, I also recommend that you educate yourself on the choices there are and make sure you have the facts, correct! If you have an inkling that someday you will want DCC, then leave the door open for making the switch, should that decission ever be made. I purchased a Digitrax Zepher around 2002, almost all the decoders I have installed cost me less than $20.00 back then and I see 1st Place Hobbies is selling similar decoders for under $23.00.
You want to save some money on the hobby, stop buying RTR rolling stock, do yourself a favor and learn how to build models! Accurail and Bowser and a few others still offer easy to build kits! These kits are far more sturdy then the RTR stuff available and will last a lifetime with simple care! $30.00 for a freight car is an abomination!