Which scale? 
I've been asking the same questions as you and here are some links to affordable DCC equipped (ready to run DCC) locomotives....in N and HO scale. Some reviewers say some of these bachmann's are noisy at slow speeds but otherwise good performers for the low price. My friend has at least a couple in N scale....and says they are fine. I'm thinking about ordering one in N scale....but don't have any yet.
If you order make sure it says.....DCC equipped....or....w/DCC....or DCC onboard. I would call and confirm if any doubt. I often catch myself thinking DCC ready means DCC equipped.....which of course is not correct. I have ordered from this supplier several times and they are great.
http://www.modeltrainstuff.com/N-Sca...brand=Bachmann
http://www.modeltrainstuff.com/Diese...show=30&page=1
Mike
:: Mike :: :: N scale collector ::
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