I'll clarify...in the cases mentioned above, a game over can be achieved with low points, but the low points, at least in my logic, is not the impetus for the breakup. In one example one can easily look at the difference by tweaking the save file when if you confront Anne about being with...uh, the massage guy (it's been a while since I've played, sorry). In another game over it's more the MC choice to choose someone else over Anne.
It gets confusing because there is discontinuity in the script that needs to be edited and fixed. Someone recently asked about these errors being fixed and after two years of them remaining the same, I don't see it happening. It will likely take someone modding the game (such as SOICowboy and a couple others started but didn't finish) to clean it all up. Lord Ashram might pull through for us.