You're right, it looks like using a 12VAC or even 15VAC lets me leverage economy of scale, transformers are very cheap. I think I'll evaluate a nice one and a really cheap one and try this out.
Actually, there's another small issue with using a centre-tap. Volumetric Energy efficiency ie Each half of the transformer ONLY delivers energy
on successive half cycyles, so your transformer is ~60-80% larger than it needs to be. A better plan would be to split the centre-tap (if possible),
or buy a dual 12/15VAC and make 2X separate supplies. That way you can then configure for (assume 2x12V 1A) ... +/- 12V 1A, +12V 2A, +24V 1A etc
Most power supplies have all outputs floating, so you can reference any OP or none to real GND. Also you get better ripple due to full wave rec.