I've looked at Loco2 for travel completely within Germany, and my conclusion is that, if you don't know what you are doing, it works as well as the Bahn, but you have more options with the Bahn. Specifically, Loco2:
only gives you one "via" and does not allow you to specify the type of train (regional or express) on any leg,.
tries to put you on an express train whenever possible. The least expensive tickets are always "train specific, non-refundable",
does not recognize Länder tickets.
sometimes cannot write one through ticket, but breaks a trip into two tickets.
Last Sept I went with a friend from Bad Wildbad, in the Black Forest, to Sigmaringen, in Baden-Württemburg, via the Schwarzwaldbahn. I used only regional trains and a Baden-Württemburg-Ticket for 27€.
For Loco, I put in Triberg as the via, and it insisted on writing me two tickets, Bad Wildbad to Triberg, including an IC (for 29€, ) and Triberg to Sigmaringen (for 45,60€), 74,60€ total. Even though it used a segment with an IC, Loco's trip took almost an hour longer.
Maybe someone more familiar with Loco can tell me how to get a 27€ fare from Bad Wildbad to Sigmaringen via (no stopover) in Triberg.
A week later, I went from Pfronten to Mittenwald for lunch, then Mittenwald to Oberammergau. We left Pfronten at 10:22, were in Mittenwald by 12:30, had lunch, took the train to Garmisch, then the bus to Oberammergau, arriving just before 4 PM. I did it with a Bayern-Ticket, for 27€.
Loco shows a train leaving Pfronten at 8:22, too early for the Bayern-Ticket. The next train they show is at 14:22! (I really did catch one at 10:22.) My trip, leaving Pfronten at 10:22, took 5½ hrs, including 2 hrs for lunch in Mittenwald and the bus to Oberammergau.
Loco shows the price of the 8:22 trip (6 hrs) at 57,80€. The price of the 14:22 trip was 46€ and Loco showed the total time as 7 hours including 3 hrs in Mittenwald. Also, the Loco ticket did not use the bus (40 min) from Garmisch to Oberammergau, but instead the train through Murnau (1 hr 14 min.) Loco does not show all the trains that the Bahn shows, nor does it show buses.
It gets worse!
A simple trip - Munich to Nürnberg with a two hour stopover in Regensburg.
With the Bahn, a direct regional train to Regensburg at 9:44, two hours five minutes stopover in Regensburg, then a one hour eight minute trip direct to Nürnberg Hbf. 4 hr 43 min total time, 2 hr 38 min on the train, cost 27€ for a Bayern-Ticket.
On Loco, same input - a two train, 1 hr 54 min connection to Regensburg, on a single Savings Fare ticket for 49€. A 2 hr 21 min stay in Regensburg, then a 1 hr 51 min, two train connection to Nürnberg, also on a separate regional ticket for 40,20€. Total time 6 hr 6 min, train time 3 hr 45 min, total cost 89,20€.
I take it back, whether you know what you are doing or not, don't use Loco2 for tickets entirely in Germany.