I still say there is something happening with mc and Nicole in the BR . Why would she get a fancy negligee on. She was already in a towl in the front room. Last time (and other)they talk on the bed naked. Why now does she were a sexy nightgown, and he is fully clothed. Thoughts ?
We don't know if Nicole always sleeps naked at night
This isn't mentioned in the story. Sleeping naked once or twice doesn't prove anything
If we guess based on global statistics, it's less likely
Wearing a fancy negligee also doesn't prove anything
Many women wear fancy negligees for their husbands at night
The fact that MC is still dressed could be because he's waiting for Nicole to dry herself and is simultaneously thinking about Nicole's mom
The scenarios you're suggesting might be correct, but for now, they are based on guesses, not strong evidence (the only scenario you mentioned that I consider impossible is the presence of another man in the bedroom)