First af all, the version number doesn't represent the percentage of the whole game. I mean, I have played a game starting in 0.1 and was completed and ended in 0.7 so it won't add up to the percentage equivalent to the version number. We will only know from Dev himself. Like example he will anounce that 0.11 is the final update and will end the story, something like that.
The 3 paths (Lover, Happy, NTR) each has different levels of cheating.
Lover - mild cheating that are somehow tolerable for Liz and because she has no choice due to the balckmailing (blowjob, handjob, groping, etc) but no actual sex. At least, for now.
Happy - moderate cheating but only on some instances depending on the situation or choices. Like in the club, if you did not check Liz in the bathroom, Matt will have blowjob and/or sex with Liz. As the game progress, Liz develops a MILD ADDICTION to Matt's dick. In HappyNTS, Liz allows MC's fetish but decided to keep her affair with Matt as a secret from the MC.
NTR - constant cheating (almost everyday, or everytime Matt is near Liz) while MC is completely not aware. As the game progress, Liz becomes FULLY ADDICTED to Matt's dick. In NTR-NTS, Liz allows MC's fetish, but she will only talk to MC within the fetish and not the affair with Matt.