I take around 10-20 personal trips to family and friends every year, for around 1000-1500€ of "standard" fares, but pay only half with the BC50. I don't own a car. The card would cost me 250€/year so its quite a big saving. Its mostly long distance, so just for regional you are probably right it wouldn't matter.
I can't comment much on the regional experience, especially when living outside a large city. I have 3 train stations in distance of different trams. So you can be right. Although here the National Express won a contract as well and their trains are bad compared to the DB regional ones, so maybe DB is running the old trains in your region, where here in Bonn/Cologne they have very modern ones.
DB internet changed providers just some weeks ago, they now have a multi provider approach and Telekom isn't the only one anymore. Its also free for everyone even in second class on the Telekom served ones and ICs are supposed to get internet next year as well. They are even talking about adding it to regional ones.
Like with Deutsche Telekom who was government monopolist before, the competition will push the DB in a 10-20 year change cycle and after that it will be on top again with the best service and offer across the board. That kind of investment and change just takes a long time for this kind of big company.