In your case, get a Half Fare Card for 120 CHF. Not only covers the main travel days but also most of the mountain lifts and lake boats you are bound to take while visiting Zermatt, Lauterbrunnen, and Luzern, like the Gornergratbahn, the Schilthornbahn, and Lake Luzern boats and mountain lifts like Pilatus. Depending on how long are staying in Lauterbrunnen, you might look at getting the Berner Oberland Pass, which also gets discounted with the Half Fare Card. That covers fully many mountain lifts in the Berner Oberland as well as part of the way from Zermatt to Lauterbrunnen, and all the way from Lauterbrunnen to Luzern.
You can buy the ticket from Luzern to Munich in advance and get a discounted Sparpreis Europa ticket that is nonrefundable. Adding a seat reservation for that leg is also recommended for an additional 5 CHF.