Considering Code 75 Switch how much pain?

For my first layout in too many years skimpy blog

I had decided to keep it simple with Code 100 peco electrofrog (my last layout circa 1974 had electrofrog farish points - they made OO then - , so I couldn't thing of going back to insulfrog), I have read here and elsewhere of the problems people perceive with peco in general and code 100 in particular but thought it would be simple.

I liked the idea of slow acting point motors though and have bought a job lot of tortoises, hoping to rid myself of huge electical loads from the solenoids as well as the much better looking movement.

But I have only just dropped in that code 100 electrofrog and tortoise dont go too brilliantly - I can't use the internal switching without physically cutting the rails it seems - and confirmed from reading various threads on here. I am not keen on cutting up the brand new points - I'll probably mess it up. But the code 75 come with a built in facility to prevent the need for rail cutting.

So *finally* getting to the point if I use a selection of new (in the last year) hornby, bachmann, heljan stock on code 75 will I need to go through all sorts of rewheeling pain and fettling, or will it work fine.

Thanks in advance - sorry if this has been done to death, nothing much came up on searching for code 75