Hi hi Dev here
Thanks for the interest. To be honest with you if you haven't played so far I'd wait a few weeks as the whole thing is currently undergoing a remaster and so the early parts of the game will look an awful lot better.
As to your questions the answers are a rather resounding yes for the game as a whole. Although not all that content is in yet and the main sexual content doesn't really ramp up until Chapt Four (although Three does rather have a nice 40 page run of bondage, forced masturbation and bottle rape). I've done a few rather unusual things with H5 which allows me rather more scope than the main storyline would allow and thus allows me a lot of room for fetishes via sidework such as a virtual reality game you can play with one of the characters and a very naughty book...
As to the chattiness I'll leave that to the guys but probs because the story is quite deep. H5 can be played like your usual lewd game, but there are a number of other deeper storylines running at the same time. So if story is your thing then we probs have you covered.