OK. Some misconceptions and misunderstandings happening here. First off you don't need DCC for any type of functioning of LocoFi and you certainly don't need all that hardware DCC requires. It will control speed, direction, lights, sound and MUing is not just simple, it works. The app in your phone communicates directly to the LocoFi module installed in your loco. No signals going through your track. If your wheels can get over the clumps of dirt on your tracks there will be no negative effect to your locos performance, unless you derail.
It uses WiFi to send AND receive the commands. The cost of an iPhone 6S Plus can be had for well under $100 and no cell phone activation required (no plan). The LocoFi app on your phone is free. Ask your family and friends and you may get a phone for free. Just tell them they can use it when they come over.
Last time I checked you can't run DCC without a decoder installed, same for LocoFi. You do have to install a LocoFi module, so what's the difference? You can use the money, not spent, on DCC hardware to buy 2-3 LocoFi modules, maybe more. As far as being only DC, that is not true. LocoFi doesn't care what other controller you might want to use. You can run LocoFi, DCC, BlueRail, RailPro, or anything else, all at the same time. Of course you are probably not going to have all those modules in a single loco, not enough space, or money available and I am sure you will loose your mind after a few minutes. However, there is nothing to stop you from installing a LocoFi module in a loco that has no decoder, or module from another supplier, taking out a module from another supplier and installing a LocoFi. You can do it however you want, as little as you want, or jump in with both feet. Glenn