No, it is covered. You are referring to a different route than what I suggested, but you could go either way. You can take a train as you mentioned. There are some limited express trains with fewer stops, but you need to time it right.
Would you suggest purchasing Suica card ? Would it cover the following train trips and if so how much should I load the cards with for each adult, as we are leaving from Osaka and would not be able to get a refund for any unused credit.
Day 1 Hakuba to Kyoto, Day 2 Kyoto, Day 3 Kyoto to Osaka (Universal City) return Day 4 Kyoto Day 5 Kyoto to Osaka / Osaka / Osaka to Kansai Airport
Although purchasing a JR pass would make train travel much easier it is not beneficial to us. I am trying to make the process of buying tickets at the station as easy as possible and thought the Suica card may help ? Or is it fairly simple to purchase the tickets at the station with a credit card ?
The Suica is one of many IC cards you can use. And you could use it for all the routes you mention, but since it's a Tokyo area card, you could not refund any balance in Osaka or KIX. https://www.japan-guide.com/e/e2359_003.html
You could use a credit card if you go in the JR office. But the fares are not much - I wouldn't bother.
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You must take a bus to get to Nagano. Then you can take JR trains the rest of the way with the pass.
Would it cover the following train trips and if so how much should I load the cards with for each adult, as we are leaving from Osaka and would not be able to get a refund for any unused credit.
Day 1 Hakuba to Kyoto,
Day 2 Kyoto,
Day 3 Kyoto to Osaka (Universal City) return
Day 4 Kyoto
Day 5 Kyoto to Osaka / Osaka / Osaka to Kansai Airport
Although purchasing a JR pass would make train travel much easier it is not beneficial to us. I am trying to make the process of buying tickets at the station as easy as possible and thought the Suica card may help ? Or is it fairly simple to purchase the tickets at the station with a credit card ?
https://www.japan-guide.com/e/e2359_003.html
You could use a credit card if you go in the JR office. But the fares are not much - I wouldn't bother.
1 - Kyoto
2 - Kyoto - Osaka - Universal Studios - Osaka - Kyoto
3 - Kyoto - Nara - Kyoto
4 - Kyoto - Osaka - Kansai Airport.
Will the pass get me around all of these locations and will it work out best value ? or is it still better to pay as you go.