Hi, Dominick, and welcome.
I'm not sure what you have taken away from all the replies and from your reading at Loy's, but DCC can be summed up this way:
It allows you to run two two at the same time on the same section of powered track so that they do what the real trains do...operate at different speeds and in different directions. So, if you would like to not have to flick toggles so that two or more locomotives will do different things at the same time, then DCC is what you need. If you will rarely run more than one locomotive, and don't mind isolating all others on the layout so that they don't get the same regulated voltage, then DC is simplest for you. As soon as the idea of not having to recall and to select blocks with toggles appeals to you, then you can spend the money on DCC.
Note that it will cost you money to have decoders installed in your older locomotives, even if you don't want sound decoders and speakers installed. If you are electrically skilled, you can save quite a bit of money if you install your own decoders. In that sense, DC is way less expensive.
Not to put too fine a point on it, suppose you had two different locomotives, and you wanted to have them meet on the same ladder track in your yard. You will never get that to happen with DC unless you are prepared to rewire one of the motors so that it operates in the same direction of rotation as the other locomotive, but when the other locomotive is reversed. Sound complicated? As you are surely aware, even picking up and turning around the second locomotive will not get it to run toward or away from another loco on the same section of contiguous powered track. On the other hand, with DCC, you simply direct each locomotive to go forward, or one forward and one backward, or both to reverse as the case may be, and they will move toward each other and couple up. Now that they have sound in DC engines, the only real advantage to DCC is this more prototypical ability to move about the layout without resorting to reaching to and flicking toggles as each engine moves across power gaps in the track plan.