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Eurail Global Pass Validity


My husband and I (both over 60 yrs) are planning to visit Austria (6 nights), Germany (12) and Switzerland (4) in May. We'd be travelling to many cities in those countries and so we decided to buy from your local agent in my country the Eurail Global Pass Savers, 1st class, 15 days continuous which we would get 2 additional days as part of the ongoing promotion.
Of course, we need to buy separate tickets for local transports while in those countries.

We know that Eurial Global Pass covers S-Bahn in Germany as well, but does it also cover S-Bahn in Switzerland? eg. S8 23876 from Stein am Rhein to St Gallen.

Do we need to reserve seats from Vienna to Munich on RJ 262 on Sunday morning 4 May?

Also need we reserve seats on Friday noon, 16 May on EC 194 from Munich to St Gallen?

Are these two routes compulsory for seat reservations in first class compartments?

If we don't buy seat reservations will we be fined while on board?

Thanks in advance.
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