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German rail pass (with free KD rail travel) or Bahncard25 with KD Rhine card?

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The KD Rhine card is EUR34 and gives "up to" 50% discount; seniors receive "up to" 30% discount; there is 20% discount with a valid rail ticket.

The Bahn card25 costs EUR125 and gives 25% discount.

the German rail card includes free travel on KD ferries.

Either the Bahncard or the German rail card - I've forgotten which - offers a discounted "twin ticket" for 2 people.

I'm trying to figure out which is best and I'm very confused!

We have 4 nights in Berlin, 3 in Dresden and 5 in Boppard (still dithering slightly about whether that should be 5,3,4 rather than 4, 3, 5)

We shall need to book the ff train trips:
Berlin to Dresden; Dresden to Bingen; Boppard to Frankfurt.
and the ff KD ferry trip:
Bingen to Boppard.
and the ff train and/or ferry trip:
Boppard to Cochem

as well as a mix of ferry and train trips for our 5/4 nights based in Boppard to various other places.

I am finding it virtually impossible to decide which of the above options is the most economical and have almost reached the point of just booking individual trips (at seniors' rates if they're offered - although on the bahn de site there's no mention of seniors when you get into the actual booking bit). The only thing that made me hesitate was the cost of the ferry from Boppard to Koblenz and thence to Cochem. It's seems quite expensisve. And hence my enquiry to the Fodor forum!

Any advice would be much appreciated!

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