Just use one of the custom stories, you'll see it all, which - based on the maturity of about 5-6 years - is very little.There really is no full save for this game. There are so many different paths you can take that one save file isn't going to unlock everything. I have one save that has everyone available for Vickie's 3 some, but besides that there are still a lot of people you can't have solo sex with. The games just not built like that. You need multiple playthroughs for solo action with a few different characters.
Monolith Bay has evolved much quicker which is also why I decided to boot HP in favor of MB.