This is a bigger topic for another thread, but can't they just merge down PATCO and SEPTA? Why have two agencies? There should be one fare system and free interchange everywhere. I realize the power struggle this would create, but still.
Side note: The El does NOT have awful headways off-peak. You're just spoiled. Germantown has great transit options with two dedicated Regional Rail lines, a Regional Rail hub, easy access to the Broad Street Line (especially if you live on the east side), and plenty of buses, but it's still only once per hour off-peak for Regional Rail.