I don't really even consider that NTR, I mean, first I'd need to give a damn in the first place for that to get to me, and secondly, you'd have to treat her bad in order for it to happen and if you treat her bad, well that's the same thing as saying that you don't want her as your girlfriend anyway, your eyes are set on someone else. So in essence, Chloe does you a favor for hopping on that horse dick. Besides, it's not like MC is any better, we've been fooling around with Nichole for a while now behind Chloe's back anyway
So no, I don't consider it NTR, it barely qualifies as simple cheating, haha.
My only gripe is this; why do they always run for the ugly ones? Can't they find good looking dudes to hop on? Always the same old ugly horse dick trope, haha xD