Hello yonhey
Welcome to the SBB Community.
Prices aren’t exactly cheap
No surprise, you about to do the most expensive mountain trip in Switzerland. It is expensive, even for the Swiss people. Many of the Swiss have never been up there as they cannot afford the ticket prices.
The Swiss Half Fare Card is for tourists; the Half Fare Card is rather destined for residents. Both do have the same validity and, what concerns the purchase of tickets, Half Fare Card also stands for the Swiss Half Fare Card.
Swiss public transit isn’t complicated, you will see once you are here: one ticket for all means of transport.
Kind regards,
Roland