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Rail Pass vs. Point-to-Point Tickets

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I am still struggling with the whole question of buying a one country, two country, or three country pass vs. point to point tickets for my upcoming trip in Sept. to Germany, Switzerland and Austria. I find it frustrating that I cannot get the point to point ticket price on the DB website. Is there any website where I could get that information? I am probably just trying too hard to wrap my head around all the possibilities and I never seem to find the same info twice on the various country train websites.

I read about the Bahn Card. Is that something I have to purchase in order to get a discount on ticket prices?

Also, Senior rates are mentioned, but I don't understand how to get them.

Is there a way I can determine the distances of various legs of my trip in order to decide how many days I need on a pass and how many I would be better off just buying point to point tickets?

There will be two of us traveling together, so I know we could get Saver passes, so that is something else to consider.

I apologize if I am asking too many questions, but I am just so confused by it all.

PalenQ, can you help me put this all together, so I can decide. Thank you so much.

Joy

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