Sorry
Because I read it a few times now: storywise there's no need to get every single point.
All main parts are triggered by having ~75% or more of the available points.
For example, Elea's kiss in CH3 has a requirement of 15 or more. 20 points are max at that time.
In general, that's true for all main girls. Higher reqs are usually just an additional line of text or other minor details (and they're pretty rare).
Exceptions are the achievements, although I'm already considering lowering the required points for future achievements.
I don't want to force you to search for that "last point".