Correct, but here in f95 the tags are used differently. NeToRi and NeToRare are not the same thing. Because generally those who love Netori, hate Netorare. Possibly the opposite is also true.
Netori is when the MC fucks the married woman. MC + Nicole (Netori = cheating TAG on f95 ). Netorare for John. But John's POV doesn't matter. Important is the player/MC's POV.
- Chloe fucking any NPC = Netorare = NTR (avoidable)
- Any love interest (LI) of MC fucking NPCs is NTR.
- John (or any NPC) fucking Silvia or side girls = Voyeurism on f95 (unavoidable). From Nicole's point of view it is NTR. But what matters is the MC's POV.
As you said, just misinterpretation, because f95 tries to make life easier for players who like one type of NTR but not the other type. I love this game, but I ignore 100% of games with unavoidable NeToRare.
For me, Netori (cheating here) is good. Netorare or Voyeurism with John are useless, but the MC story with Nicole saves the game and makes it one of my favorites.