瑞士Saver Day Pass使用范围（皮拉图斯山）

你的理解是正确的。

1，购买Saver Day Pass本身可以有半价卡，也可以没有。当然，有半价卡半价。
2，如果没有半价卡，那么即使有Saver Day Pass，那些小火车/缆车也没有折扣（但是在Pilatus其实有10%这折扣）。
在SBB的官网上有关Saver Day Pass的页面上实际上有写：
Special terms and conditions.
Half Fare travelcard customers can buy tickets at a reduced price for journeys with numerous mountain railways and connecting trains. Customers without a Half Fare travelcard will have to pay the full price for extension tickets.
https://www.sbb.ch/en/travelcards-and-tickets/tickets-for-switzerland/1-day-travelpass/saver-day-pass.html
另外，在SBB的官网论坛上也有人有同样的有关Pliatus的问题回答：
The saver day pass is valid until Alpnachstadt and Kriens. You pay the connection ticket at full price, if you don't have a Half-Fare travelcard or a GA. The boat trip from Lucerne is included in the day ticket.

Here you can find an offer of 10% discount on the Gondola chairlift and cableway journey to Pilatus Kulm. https://freizeit.sbb.ch/storefront/search?query=Pilatus%20variante&banner=1&lang=en


3，我有些怀疑在这种情况下你买无半价卡的Saver Day Pass是否划算。因为单价至少是52chf的样子，你再买Pilatus的火车票是72chf。而包含从卢塞恩到Pilatus全部行程的Golden Round Trip的全价是102.6chf。