Well there are worse problems if either Maya or Jose wasn't your first pick
I said fuck it and sailed over to the loving bossom of Sage after that both or none decision.
As for events that truely upset the balance independent of choice, well in my case the forced choice at the end of Episode 8 really annoyed me
It was a Season too early in my opinion and if Episode 9 is any indication we will pay dearly for it, and we already have.
But storywise you are right, we didn't have a plot twist yet that made the MC's world turn upside down, well...maybe the Zoey return fills that void to a certain degree, but it's not clear yet.
I wonder if we ever get one of those that effects the MC across all paths, I mean what would even qualify ? Derek being expelled certainly would, but beyond that ? Maybe some shenanigans related to his mom or dad, or the death of someone that's really important to the MC. The biggest cloud we have had so far is obviously Vinnie, but that just started and we have no idea how quickly DPC will develop it and how deep it'll run.