I can't agree. Gloria didn't share the dream with the MC, she was a completely different character during the dream that just happened to look like Gloria. Sure, none of the characters in the game are *real*, but they are still characters within the story. The Gloria in that dream, however, was utterly unrelated to Gloria in the game. It's no more meaningful than watching a sex scene from another game that happens to use a model that looks like Gloria.
We didn't learn anything about her (or the MC) from that dream, nor did the dream change much based on our previous actions with Gloria. Even after we wake up and discuss the dream with the 'real' Gloria, we still get no insight into her, and again, what we get is one size fits all: there's very little variation in her attitude regardless of her history with the MC. And the Victoria dream was even worse.
Everyone's entitled to their own opinion of course, so if you liked the dream scenes good for you. But I loathed them. Granted, I normally loathe dream sequences that are nothing more than an excuse for gratuitous sex, but I expected a lot more from a game like City of Broken Dreamers. Instead, it lived down to the worst aspects of the trope.
It was a massive wasted opportunity, IMHO, and those dreams are on the short list for the worst scenes in the game so far.