A loco with sound lights and smoke still only needs one address. Even a DMU with a chip at each end will only need one address (both chips are set to the same address).
Consists also require an address (at least in some systems), but you won't have many of these.
For your points you need at most one address per point.
So you need rather less than 100 addresses in total.
Many people like the loco address to be related to its TOPS number (or equivalent), so it is probably better to be able to control 5087 by that number instead of just 87, but if you also have 43065 you will have to drop some digits so why not just use the last 2 for all?
On the subject of 43065, the dummy power car is (I think) 43085, but the function only decoder I have in that unit is set to '65'. If I fitted a motor to it I would number it as 85 and run the train as a consist / multiple unit.
Consists also require an address (at least in some systems), but you won't have many of these.
For your points you need at most one address per point.
So you need rather less than 100 addresses in total.
Many people like the loco address to be related to its TOPS number (or equivalent), so it is probably better to be able to control 5087 by that number instead of just 87, but if you also have 43065 you will have to drop some digits so why not just use the last 2 for all?
On the subject of 43065, the dummy power car is (I think) 43085, but the function only decoder I have in that unit is set to '65'. If I fitted a motor to it I would number it as 85 and run the train as a consist / multiple unit.