Well, I may be getting this one mixed up with others, but... that last time I played it, no matter what I did she still ends up getting groped by matt, but in those situations... she is approving in her behavior. So it really is just a cock block simulator to try and keep her from going full on whore.
Because of that type of interaction, it loses the "MC to FMC" connection and it is hard to view her as anything more than a slut of high maintenance to avoid her becoming a complete whore.
Like you said, maybe that is the point of the game, and why I don't care for it much. I think a love/loyalty path should have her NEVER accepting the advances in a positive light, and the moment she does, well... she might as well have cheated and the story becomes pointless to me at that point.
That is, she doesn't seem worth saving if she will allow those things to happen because she actually wants it which invalidates the emotional progress of the love/loyalty path. "Oh you let him finger bang you? Well at least you didn't let him stick it in you, you really love me!" Kind of silly, lol.