I didn't played the NTR route because FUCK BEEMAN, but honestly it was because I just choose the right answers and I also behave well when I was asked.
From what I read on the Walkthrough, NTR Chloe and non-NTR Chloe are almost two different characters. While the non-NTR is cute, hardworking and with a good self-esteem, NTR Chloe is cynical, lazy and even disdainful.
About the sex, it's hard to say. In my gameplay, she really likes blowjobs, in a way that if she could, she would have her mouth on my lap all the time. I let it in the first time, but in the second time, when she does RP being a student, I claimed her pussy and she said that I should be cautious. That counts to Nicole over Chloe, because even being reticent because of her family, she loves to take a dick and it's pretty insatiable - like fucking a whole night non-stop, before the hospital scenes.