Well you're not wrong, but i usually don't do much number crunching while playing adult games lol. I've also known a few people that didn't go to college until they were a couple of years older than that, so with that in mind Chloe could've easily been 18. The thing is, when i see an adult game that includes incest and where the MC is living with his mother and sister, i naturally expect to be able to have fun with the both of them, especially when they use such a hot character model for her. I just think it's a huge waste for them to make her a minor in a game where incest is basically a key point.
And on a sidenote, there are plenty of countries where incest is illegal as well as there are plenty of countries where the age of consent is actually 16. So i get that developers are wary to take a risk like that, but at the same time i feel like it's a bit silly to make a big deal out of it considering the fact that it's just a game and both subjects are either legal or illegal depending on where you live.
It didn't took any great number crunching, just paying attention to the story and a tadbit deduction.
"there are plenty of countries where incest is illegal as well" - And this is the reason why in the official version, Nicole is called role model, not mom or mother. Patreon has an anti-incest policy, just as well the age consent one. The devs can take the risk, but if it's discovered, Patreon will take down their site until it's changed. It happened on many occasions. While that situation can be solved with a simple incest patch, that reverses the script back on the parts, it wouldn't be so easy with Chloes case. Not that the story would support it anyway, on the Nicole good route, Nicole is basically the only one you'll have, and Chloe is the support there. On the red route, because she is Nicoles sole supporter, it takes her out of the equation. I agree though, Patreon could be flexible about it since it's a fictional product, but they aren't, so there isn't any more reason to beat this horse.