As much as I agree with your theory in general and how TC would work out in the future (I have a similar view on it). How it will work - like will MC break his own inner attitudes or not depending on accumulated TC points, etc. But I just don't see Zoey as an option anymore. I thought she would be an option (one of), but after EP10 I just don't think so anymore. She is a "convinient" option to play such role like you said and described, but... It's a 2 people at a time who should go against their inner attitudes, against their own words. To work out perfectly it should be only 1 person, probably the MC, while the other person (girl) shouldn't mind. Josy fits here quite well, while Zoey not. At least it looks and feels so at the moment.
Most of TC points were given for doing stuff with SGs (sexy photos, grabbing asses and tits, kisses or "enjoying it too much" during some fun activity, when it becomes too intimate than just an innocent contest and pleasing the crowd, etc. While points for Josy was given for "mental" cheating, which sometimes can be even worse and stronger than some stupid fooling around. Even kissing Jill back during break up with her doesn't give any TC points, but sets a variable. In short - among MGs only Josy and Sage gives an opportunity to "cheat". And Maya a little, VERY little. While cheating with SGs offers much greater opportunities. Zoey? 0 times, so far. Some options are just cutted off for all branches except "Others", like the one to offer Zoey to crash on MCs couch. Well, the reason is obvious, since MC is planning to spent the night with his LI, but still. You probably also forgetting option of being mad on her on not. Being mad on her changes her behaviour very much as well as making any interaction (well, not all, but the most) with her optionable.
Things may change as any other aspects and parts of the game. But it must happen in a plausible way, have a reasonable explanation, and grounds must be created for this. Otherwise building the image of a honest and decent, relationship-ready guy meant nothing and was a waste of time. Personally, I expect this TC thing to play out only closer to the end of the game (like it was in AL, when it fucked up the MCs current relationship). I can't imagine the "cheating" sub-branching at the current moment and part of the game. It would be ridiculous and implausible, besides handling the difficulties with extreme branching from current moment till the end.
When we expect something, we often forget that even if we have been waiting for something for YEARS, only weeks and months pass in the game world, and often this is completely insufficient for something important/substantial. And so far, the DPC has taken a consistent approach and does not go along with the impatience of some players. It's like the solo Josy/Maya paths... people have been whining for years, but only now have some prerequisites for this and the further development of this topic begun to be created. EP3/4 and EP10. Just imagine. So the TC thing and waiting for 4-5 episodes at least is the same, it's just started at the different moments and parts of the game.