To Padster:
What I do with this H0 layout (my first layout that I actually like in driver mode...) is to set up one or two AI trains that repeat a certain tour over and over, and to drive another train myself.
If you just enter the real model railroad world, you might want to have a look at the book "101 Track Plans":
http://www.trainplayer.com/Site2/101 Track Plans.html
It is not the newest one, though, and newer books tend to have fancier solutions than ovals. The key to an interesting layout IMO is to have a considerable proportion of the track hidden from the viewer, so that appearances of trains out of tunnels become less predictable. Of course this becomes quite expensive in a real model railroad. Unfortunately it is not possible with TRAINZ to have several layers of layouts on top of each other, so in this case I based the hidden yard behind the scenery part rather than below it.
I have uploaded a few other model railroad trackplans to the DLS before:
* "Port Ogden & Northern" (adopted from the 101 Track plans book rather than the large MSTS one; for shunting operations
* "KÖF country" (an adoption from a German magazine under a different title); for shunting operations - a KÖF is a very small shunting loco
* "Bayrischzell" (another adoption from a German magazine) - for point to point operations
* "BigEightMRC" (??) an extremely large model railroad layout where I just filled up 3 or so baseboards without black patches
* "In my room" which is just an idea of a layout I wanted to make with a real model railroad - an L-shaped layout
After that last one I started to build a real model railroad in N scale, but it turned out to be much smaller:
http://www.youtube.com/watch?v=qcnOs4hiRQc
In fact, the TRAINZ forum and chat room motivated me, too, to build a model railroad!