I've played the Chapter 4 demo which is incomplete and not on F95.
Overall, this is one of my favorite games; probably the one I spend the most time thinking about and the only one I'm financially supporting long term fwiw. The writing is absolutely top notch. The personalities of the girls are great. Visually, the girls are good. There are choices regarding your character's behavior with the game changing to a decent extent to reflect the choices made (the main story framework doesn't change a ton but there is an impressive amount of dialog differences depending on your "alignment"). If you want to play as a really evil person, that is available here. There is also subtlety such that you can be a character with an edge without being totally sadistic. On the good path, the premise is basically, "I have a charity and some of the people I help end up liking me and sleeping with me" but you're mostly just portrayed as a really good person.
-Writing-
To me this is the biggest strength of the game. It feels more like real people talking and thinking than other games. I'll give an example that I don't think will spoil too much. One of the girls is talking about her ex and she says "I don't know why it didn't mean as much to him as it did to me". It's not exactly the most original line ever but it really resonated with me. I've felt the same way and even expressed it in those exact words. There were several spots in this game like that, where I really felt the emotion with the character. Of course your mileage may vary. It might not resonate so personally with everyone but I feel confident saying you will consider this aspect a strong suit.
-Love Interests-
By my count there are twelve girls in the game or hinted at- Nicki, Ashe, Cassie, Madison, Gabby, Brittani, Carolina, Mason, Pepper, Viola, Peyton, and Alex. For me personally, that's at least getting close to too many. Some have only appeared in pictures/flashbacks or just briefly (and one might be a boy, I'm not really sure what's going on with Mason lol) so I don't know how much content is planned for them but that sort of gets at the potential problem. I think some people will have a favorite they're looking forward to spending time with and find that she doesn't end up getting much attention. Some of those are not going to be full/main love interests and I think you'll be able to tell pretty well but it's still a lot of girls to get screen time for.
Visually, the girls (and game by extension) look good. It's not like some huge-budget games where everything is super high resolution and every girl looks like a fantasy/super model. As a positive, it's more realistic. As a negative there's a bit less of a "holy shit she's hot" factor. A note on MC, I don't see him as someone all these girls would be jumping at on first glance but I think that's at least partly to reinforce the idea that him having money changes how they see him. He does however have a great looking dick- nice shape and huge but not to the point of unbelievability. I don't actually know how real-life women would feel about him but I really enjoyed imagining myself in his shoes. It's always nice for me to get to play as an actual adult rather than a "just turned 18 dipshit".
Now about the personalities of the characters and some of their individual looks. First it has to be said, Nicki is controversial. Some don't like her look, some don't like her actions. Some hate both. Since it's my review, I'll give my 2 cents. I don't really like tattoos. Gun to my head, I'd say I wish she didn't have them. But they're part of her story and they've grown on me a bit. There are definitely scenes where I look at her and think she's really beautiful. As far as her actions, it's hard to get into too much without spoilers but I'll put it this way: She does some things I don't like but I forgive her. That's why it's called FORGIVING. And MC isn't perfect either, I get that. At the current point in the story, I've forgiven her (as MC and as me the player) and I'm ready to move forward. I made this point in the discussion but I'll say it here: There's no way any game could give players every possible reaction to someone's actions. Some people want to be totally done with Nicki but she's an unavoidable part of the game. You can treat her poorly but you can't "get rid of her". If it's a deal-breaker for you that you can't respond how you would in real life or how you'd want to I think that's fine. If you can get past that I think she has a really cute personality (especially when she gets a little jealous) and more recent updates have done a good job showing the chemistry between her and MC.
If you're worried about NTR I guess this is a good place to mention it. I consider myself an NTR hater and there wasn't anything in the game that would keep me from playing/recommending it. I don't even think the debate over Nicki has really been about NTR but again your mileage may vary and if it's a concern for you I'd look through the discussion for more details.
Ashe is one that I'd say I don't always like how her face looks but in general she's very pretty. She's also tall and has big boobs and a big butt/hips. There's no denying she has an incredible body but if you prefer petite girls she might not be your cup of tea. I absolutely love her personality though. She comes off a little ditzy at first with her blonde hair and valley girl speech but she is actually really intelligent and good at her job while being super sweet and super kinky. She also seems to have by far the least baggage/drama of the main girls.
Gabby is the super petite girl with dark skin and a very distinctive hair style (shaved on one side, and dyed half white, half pink for now). She is a teenager acting out with her step mom but can be very sweet with MC. She has her own very kinky side as well.
Viola is the last one you get to have a full scene with as of the current public release. She's an adorable young Russian girl that goes to school with Gabby. English isn't her first language and her family's money situation is rough so she's quite vulnerable (well it is a game about people in vulnerable situations). She's also seems by far the most innocent of the girls so far so don't you hurt her... or at least reload if you absolutely must.
There are about 5 or 6 more you'll meet at least briefly, including my personal favorite Brittani who is Gabby's rival and who you will get to know a lot more in Chapter 4. Everyone so far seems to me to be very likable and good-looking and if you're so inclined they'll all be fun to take advantage of. There's no incest yet but it's very strongly hinted (I mean basically confirmed) that there will be with MC's much younger sister. That scenario- older (early 30's) MC and teen sister is one I've wanted to see in a game for a long time so many, many bonus points from me just for that.
-Choices-
There are a few different ways you can play your MC. Basically each encounter with a girl has a good path and an evil path and usually something in between but there's more nuance even than that. The second chapter scene with Ashe for example: You can get her to come home with you willingly, or you might threaten her job. But after threatening her you might get her to warm up to you a bit and you might not push her all the way which means she'll be a little more receptive the next time you see her. Or do you even wait to get her home before assaulting her? Or if she comes with you willingly, can you find the right balance of kinky to get all her content? Some of it isn't obvious. A lot of the scenes have these little choices that end up being referenced later even if it's just a little internal dialog. Really try out different choices and I think you'll be impressed with all the things the game keeps track of. That said, the main events pretty much all still happen. They may play out differently and MC will think about them differently but you'll still have the same charity cases to help out. You'll always take Nicki in when she needs help, you'll always invest in the bookstore and so on.
Overall I just can't recommend this game enough. Great, great writing, great love interests, and a main character who can be played a few different ways and is really fun to play as regardless of his alignment.