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Which SBB ticket type + costs to sum up for Pass comparison?

Hello All. When adding up the SBB.ch costs of train trips, for comparison to a SwissPass Flex, which SBB ticket type's price should I use? Thanks in advance!
a. Regular offer (Exchange and refund possible) – most costly;
b. Saver offer Flex (Exchange and refund under conditions) – middle price;
c. Saver offer (No exchange and no refund) – least costly.

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Where are you getting those listings? I do not know of any "Saver offer Flex" except maybe international trains to and from Switerland.

At the SBB website, there are Half Fare Tickets, for which you need to buy a Half Fare Card (120 CHF for 30-days).
Super Saver Tickets, which are train and date specific and nonrefundable, and also have 2 prices, one with the Half Fare Card and one without.
Standard full fare tickets, which can be used on any train for that route for the day. Use that price for comparison with the Swiss Travel Pass.