Okay, let me chime in for a second. First of all, let me get a water sprayer and say "No! Bad Panzermaster!", not because your idea is bad, but because it's too much. What ifs aren't full games, they're not even games technically. It's just a couple of scenes. What you're describing (twice) is an entire new game, with new goals and new stories.
Now we have that out of the way, let me put down the water sprayer and tell you why your idea is bad. What ifs come from a simple premise, how far fetched it may seem. It has a simple explanation. It can be summarized in a single sentence. It's simply "what if I went left instead of right". What you're describing is something entirely new, just with the same characters. It's not a what if, it's a re-imagining, a complete ret-con of the established story. What you're describing isn't "what if there suddenly was a zombie apocalypse" but "what if the setting was a zombie apocalypse". One happens during the story, the other is already happening as the story starts. See the difference?
So, basically, while your ideas aren't bad, it's just not for this concept. As a game, I could see it work. As a stand alone, it's just too much and too jarring from the original premise.
And my explanation are too Long? you know I only gave details to make it more appealing but in truth I can summarise them much more shortly if you prefer :
1. What if Sterling wake up and realise that him having a harem was all a dream. And when waking up he realise he not only does not have a huge dong, but also the government mandates that him and his family to participate in an efforts against racism (Interacial + Netorare).
(You can remove the dream part and have him lose his manly hood in other ways if you prefer. You know what let's make it shorter now and it would no longer be a retcon)
1. What if Sterling loses his manhood and just afterward, the goverment mandates that his family socially participates in an efforts against racism? (Interracial + netorare)
2. What if Sterling after establishing his Harem in his house and becoming rich decided to expands by infiltrating a college with his girls and keeping all the beautifull women only for himself? (Harem + Netori).
Are the description short enough for you? None of these 2 scenario needs to be overly long, you can easily estalbish that Stelring became the king of the college very quickly with his ressources and charisma. Same thing for the government agents NTR Sterling's harem,
Just like it was easy for Sterling friends in chapter 7 to "establish" himself as the dominant man inside the house and NTR all the women there.
So no there is no requirement for them to be full game. You are inventing that it would need this when it doesn't.
The second suggestion is NOT a retcon, it is a continuation of the story after the end. The idea of Sterling expanding his harem elsewhere was one of his very intention in what if? 3.
Now it's true that my initial version of the first
what if? is a retcon... So if you prefer, you have my second suggestions for that
what if? that is no longer a retcon. It would also explore a new fetish in that game which was discussed in earlier chapters without Retconning everything.