FWIW
At the club I used to belong to in Mobile, Al, the mainline was over 80' on one side of the modules and 30' on the ends. This was the layout until 1981, when we built a smaller, more easily transported layout.
Every year, we would set up at the Fair for a run of 10 days. We had to have trains running on 3 mains from 1000 in the morning, to 2200 at night on the week nights and 0900 to 0000, (midnight) on Fri. & Sat.
On the longest main, we always had 3 passenger trains running at once. (Speed matching locos in DC wasn't easy!) One train had Rivarossi cars, with metal wheelsets one each car, another train was Athearn cars with KD 36" wheelsets. The last train was equipped with Central Valley trucks.
We noticed that one year, one of the trains, the one with Rivarossi cars, was slowing down. We at first thought maybe the locos were overheating, but I saw on one car the sideframes were actually rubbing the tops of the rails. We examined the cars, and found that the metal wheelsets had actually "rubbed" their way to the top of the trucks. The journals on the inside were worn almost all the way through. We replaced the train with another that had CV trucks.
To prevent this from happening again, we changed our club standards to be that metal axles should not be used on trucks with nylon sideframes. Interestingly, we even found many freight cars, like the Athearns and MDC's were having the same problems. When the trucks were replaced, they also got KD wheelsets, (nylon axles) and just about all of our "wheel wear" problems went away.
On my current layout, if the car has nylon trucks, they get P2K, or if the LHS is out, KD wheelsets. The metal trucks get the metal axles. Many of my cars are now over 40 years old, and I haven't had to replace any wheelsets in them at all, since I started doing this. All of my cars are extremely free rolling and have required minimum maintenance.
This was all based on those experiences in Mobile, so remember that YMMV.