Peco switch's and semi-scale wheels.

[Steamtrains]

I agree....Electrofrogs properly wired are the way to go....Although not "bullet-proof" since you will then shift the shorting problem to the point rails, which can be bridged by an overly wide wheel tread, or 3-wheel tender trucks in a sharp ("small") diverging route. That's why I use only mediums and large sizes.

So...choose your poison....