I will echo what Bob has said. I use the old "clunk", the Super Empire Builder made by Digitrax. I can spank any decoder out there, and with 5 amps it can run all but the larger layouts.
Note that with Digitrax, I believe you have to order a power supply as a separate item...at least, I had to do that when I ordered my SEB in 2005. It may not be the case with the Zephyr, for example.
As Bob says, the Digitrax processes are not exactly untuitive. You do have to sit down for a while, with the throttle in one hand and the manual in the other, getting to know the "lay of the land". Once you have programmed a couple of decoders, you quickly realize that it is like anything else...a matter of time-investment in getting familiar with the system. Four years on, I may go back to the manual twice or three times a year to make sure I am doing the twice yearly cleanup of the recall stacks and such properly.
The fact is, each of the major manufacturers, Lenz, Rocco, Easy DCC, Digitrax, MRC, NCE, and Zimo (that I can recall easily) have many happy users who knew enough to buy something that they needed, something that would satisfy their needs in the short and medium term (say three-five years), and they knew enough to darned well read up on their purchase once it was in hand. Months later, few of them had much to beef about, and that is across the board.
It is best to make a concrete list of requirements, and then list the systems that meet those requirements as a minimum...or exceed them. It may help to assign a weighting to the more important considerations. Price may be key, but you can buy a lot of junk for next to nothing....right? Maybe the ease of use of the hand throttle is more important, or the amount of amperage it can through-put is more important, or the number of engines/addresses it can keep track of, or the warranty.....figure it out, assign weights to the three or four show-stoppers, and then add up the figures for the six or seven contenders out there. The truth will be revealed in the numbers rather plainly.
-Crandell