After playing this for a while I will say I generally like it, all in all. The writing itself is enjoyable & since the game doesn't take itself too serious it doesn't really matter that some things are a bit on the absurd side. Visually this looks really nice, the music isn't annoying (as it sometimes is in these kinda VNs) and the characters are fun to interact with. Personally I only really find Emily appealing, but the others aren't bad or anything. I'm fairly impartial to the dream thing, as I think both you (the Dev) and the people saying it is a bit of an issue and not nearly as satisfying as real sex scenes would be make decent arguments.
I avoided the grind by using the universal cheat tool for renpy, so I can't say much about it. My impression is that the game would be rather grindy and repetitive otherwise, but I can't confirm it. But since you yourself e.g. provided the variable needed to edit the funds I see no reason to view this aspect in a negative light.
The only "gripe" I have with the game is that I really wish Emily was the Futa sister, not exactly keen to have the protag getting penetrated by Riley or her aunt at any point & if possible definitely would prefer if Emily didn't either. But this is entirely based on my personal preferences for the different characters so I can't really hold it against the game if this isn't how things are meant to go.
If there is a way to just focus on Emily and maybe have a more romantic relationship later down the line - awesome. But even if not that's just a design decision not something I could complain about.
