There won't be a toggle, you either interact with the character, or you don't, there is no need to interact with any of the Futa (not trans, and there won't be discussion on this topic), nor the Femboy.
That's way too many scenes due to the number of outfits; specific outfits have some scenes tied to them (more will be added) and the others will stay for photo taking only.
While we are aware the targeting system is not optimized is not meant to be fully rewarding, just a way to get some money at the start of the game so players can have the choice to get some extra money.
There is not much to say about how the field work works, you go to a part of the map where the phone icon on the left lights up and call Anna for a quick pic taking. (This is currently bugged as it doesn't light up always, but it's getting fixed for 1.8)