We are independent travelers and would like to take the train to Rudesheim and boat back to Frankfurt.
Cruising from Rüdesheim to the NORTH will provide the Rhine Gorge scenery you are after. South of R'heim there isn't much to look at, so the cruising options are skimpy. So instead of cruising back, you should plan to use the train to return to Frankfurt. Here's a map of the best cruise segment:
https://i.pinimg.com/736x/ca/e1/50/cae1500f42cf03c44bea2da512d659a0.jpg
Most of the cruise boats terminate in St. Goarshausen or St. Goar. St. Goar is the more interesting town, so I'd stay on the boat all the way to St. Goar and get off there. You can tour Rheinfels Castle there if you like.
Two additional villages to visit: Oberwesel and Bacharach.
The best way to see them is on your return trip by train from St. Goar to Frankfurt. (This is better than trying to get off the boat on your way to St. Goar because trains run very frequently between these towns.) It's only 5 train minutes from St. Goar to Oberwesel and then 5 more to Bacharach. See map of the train lines which connect these towns:
https://i.pinimg.com/originals/7e/28/f2/7e28f27b065b0991f133fb11e5f56c79.jpg
You should have no trouble finding wine in any of these towns.
Once you've seen Oberwesel and/or Bacharach, you will catch a train or combination of trains back to Frankfurt.
The Day Ticket for Germany is a day pass that permits unlimited trips by regional train and can be bought for 5 adults (€82) to cover all your train rides. (Note that on weekdays there's an after-9-am restriction.) To find train schedules, use the DB link below:
https://int.bahn.de/en
Show the train ticket at the KD cruise kiosk to get a 20% cruise discount.
KD cruise boat departures from R'heim to St Goar are at 9, 11, 14:15 and 16:15.
https://www.k-d.com/fileadmin/KD_Fahrplaene/KD_Fahrplan_2024_web.pdf