I'm making a guess based on the flow of the story, in the latest updates, Stefany fucks anyone she sees or seduces . She started having sex with one or two different characters every update, looks like she is out of control. Accordingly, Low probability is a new character or one of the characters we know will cum inside her. High probability that Stefany will have sex again with Arnold and Erik and one of them will cum inside Stefany first, some of the other characters will follow soon after.
I guess the creampie scene can be happen like this.
1- Stefany convinces Oliver to have a creampie sex with someone else and convincing may happen during sex or before having sex. Example, convincing to have sex with Arnold and letting him fuck after condom breaks.
2- A misfortune while having sex, maybe a sudden ejaculation, maybe Stefany or the person she has sex might succumbs to instant lust. Example, Similar scene where the condom breaks.
3- Stefany or The person she has sex with will be violating the rule of not ejaculating inside. Example, The scene where the Banker was left alone with Stefany, he could cum inside her and there was no one to stop him.
What do you think?