There are a number of books availble from Kalmbach Publishing
https://kalmbachhobbystore.com/catalog/model-trains/books and Atlas on wiring layouts for block operation using DC power packs.
And you don't actually have to use the EZ-Track power terminals. You can solder wires directly to the rails or rail joiners of the EZ-Track where you need them. If you don't know how to solder yet, it's a skill that's easy to learn and you'll find invaluable as you go along. Even for nonrailroading purposes. There are lots of 'How To' videos on YouTube. Insulating gaps can be cut with a Dremel cut-off disc or fine-tooth Zona saw.
Len