If you book low-bucket, on the shortest coast-to-coast route, points trips are cheaper now than in the past. I just booked BOS-WIH (barely short of PDX) for 27,497 points for next February. It used to be three zones, or 35,000. Of course, I checked Amsnag, then booked early and got the low-bucket roomette ("only one available at this price" ).
But for the 35,000 points you could have brought a traveling companion along at no additional cost. How does that change the calculus of your coast-to-coast trip?
My last trip coast-to-coast was on the old AGR1 system. 35,000 points each way. I first asked Hubby if he wanted to come with me, and he said no, if he did not come, then I could visit my sister as long as I liked without worrying about him being bored. Then I asked my best friend if she would like to come, at least one way, and she said no -- it didn't fit her schedule. I decided that the "me" time was worth more than sharing a roomette with anyone further down my list, so I went alone. Of course, I took the scenic route because it cost no more in points. I got to take the Cardinal, which I could never take if Hub was along, because he won't take a long distance train without a full diner.
Adding a second person to my trip this winter would kick the direct-route points price up to ~35,500 points so yest, it would be slightly more expensive. But a different two-zone trip we want to take some year in December (at low bucket) would come in at 19,113 points (used to be 20,000), for the two of us. For my purposes, AGR 2.0 still works -- but I stick by my original contention that it is not worth buying points, even at a 30% bonus, unless you only need a few for your trip and cannot figure out any way to break the trip out between cash and points.
I'm a "little Old Lady in Tennis Shoes" (LOLITS) from Eastern Oregon. I love to travel by train, though I live way out in the toolies, far from the nearest Amtrak station (Chemult). My station would have been Baker City, but they cancelled the Oregon Pioneer just before I took my first long-distance train trip as an adult. I've taken most trains in the West, but I'm still exploring new routes in the east.