25 days in Europe (Switzerland & France) Not Sure to get Eurail or Swiss Pass

You’re likely going to save money with a Swiss Travel Pass or Flexi-Pass while in Switzerland since you have so many destinations ( Wengen, Murren, Schilthorn, Mt.Rigi, Zermatt etc) that require cable cars, cogwheel trains and gondolas and private trains which will quickly add to your transit costs. BTW, You can take trains directly from Zurich’s Airport ( Flughafen) to Lucerne in one hour without going to Zurich Hbf.
Because your itinerary in France can be linked together with high-speed TGV trains, and you are planning this 4 months in advance, I think you should exclusively buy SNCF “Loisir” tickets ( aka “Prem’s” tickets) which are heavily discounted TGV train tickets that can cost as little as €20 per train trip. You need to buy them online as soon as they go on sale, which is 120 days in advance of the train’s departure date. They are released in limited numbers and when they are sold out— that’s it. . It looks like your itinerary for France can be covered with 6 of the Loisir/ Prem’s tickets. ( Geneva to Lyon, Lyon to Marseille, Marseille to Toulouse, Toulouse to Bordeaux, Bordeaux to Rouen Rive Droite for Normandy. Rouen to Paris). Best of all— the Prem’s/Loisir tickets include the cost of the seat reservation which is the disadvantage of using an Eurail Pass that does not cover the cost of the mandatory seat reservations.
www.SNCF-connect.com
www.SBB.ch/en
www.Seat61.com. for comprehensive train travel info.
www.TheTrainline.com for easy-to-use website now selling discounted train tickets for your dates on SNCF and SBB trains.

Thank you so much for your knowledge. I will just go ahead with that plan of buying separate tickets in France. I do have enough time to hopefully take advantage of the discounted tickets.

I do plan on spending one night in Zurich after arrival so that is why I am going from the airport to Zurich HBF.

Thanks again for your insight-

You have a lot of one-night stays, which means packing, unpacking, checking in and out, transportation, all of which is a waste of time. You need more 3-night stays and use a hub and spoke system for exploring an area.

If you stay in one place in the Lauterbrunnen Valley, preferably Lauterbrunnen, you could do everything from day 13 to day 17 without changing hotels. Murren, which needs multiple forms of transportation to reach, isn't as convenient for exploring the other towns and villages on a daily basis. Lauterbrunnen is, second would be Wengen.

Geneva to Lyon is two hours, served by local trains called TER. It is not served by a TGV.

You are spending almost no time in Lyon, so you might as well take an early morning TER train from Geneva to Lyon, leave your bags in a consigne and spend the day sightseeing and then take an evening train to Marseille. This avoids another packing and up-packing. I'm not sure what you want to see in Marseille that takes up three nights (I just spent two days there last weekend); could you be more specific?

Marseille to Toulouse is an Inter-cité train, 4 hours, not a TGV. Local trains also make that trek, but I"d stick with an Inter-cité which is faster and has reserved seats. The night in Lyon, you could add to Toulouse, which deserves more.

Toulouse to Bordeaux (note the spelling) is either an Intercité or TGV train, or even a local TER. Intercité trains are the less expensive.
Bordeaux to Normandy takes you back through Paris and changing train stations across Paris. Paris to Normandy and back is a TER, local train. It's not a TGV. It's not clear what you could do with only one night, less than 24 hours somewhere in Normandy, so I'd drop Normandy and add that one night that to another city.

One night someplace gives you only a half day. Two nights gives you 1.5 days.

Note: The last few years, Prems tickets have sold out in the first hours, even minutes after they ago on sale. We have a large demand for trains in France, and ticket prices go up as more and more tickets are sold. So do buy once you know your route, but don't be surprised if there are no incredible bargains when you get online. Local trains have a fixed price whether you buy in advance or the day of travel. Intercité trains are less expensive.

French TGV tickets are now on sale for travel through June 15th. If you go to the SNCF website and create an account, you can check the schedules for your dates. The app will ask if you want to be notified when the tickets are going on sale.

May I suggest that you go on the train websites for Switzerland and France, check the train schedules and add the travel time to your itinerary? You’ll then have a better idea of how much, or little, time all these 1 night stays actually give you in a place. Elizabeth has already given you the example of Bordeaux to Normandy. Let me add some numbers to that. From Bordeaux to Bayeux for instance takes at least 5:15 hours by train/metro/train. This doesn’t yet include the time it takes to get to and from the train station and your hotel. This means that, even if you take a very early train from Bordeaux, you won’t arrive in Bayeux before 1 pm. That leaves very little time for exploration. The same thing goes for many of your other 1 night stays.
I totally get that you want to see and do as much as possible, but sometimes less is more.