Jeffrey, its all a matter of perception, and volume.
The Tower 55 units I saw running at the San Diego Model Railroad Musuem sounded like crap, they were too load for the speaker size, I'd imagine. However, I recently heard another Tower 55 offering that sounded awesome, though it was much more faint, and I was up close to it.
I'd suggest not to give up completely, but possibly try another brand of sound decoder, later, when you get a DCC system with CV editing abilities, then you can turn the volume down, maybe test those locos out after you get a new system (I.E. ask your friend to test them again, now that you can play w/ them volume).