I personally would say it matters quite a bit. In most cases the train is not competitive with a car, both in term of time and money. Convenience is less clear:

I personally would say it matters quite a bit. In most cases the train is not competitive with a car, both in term of time and money. Convenience is less clear: availability is good during peak time, but the trains are crowded so good luck taking your laptop out to work. The rest of the time, availability is still decent if you stick to the main lines and the ride is very confortable. Also, cars are not expensive in Switzerland, especially when you take into account the high salaries.