So, I help but get told to fuck off. If you need a reason, Mc doesn't have business preparation, Josef and Mario do. And you don't get penalized on regular content, but on a secret npc, which is the point on it being a secret choice.
The choice for the 50/50 deal is obtainable by having max intelligence.
Picking Kimura has nothing to do with her Bj and ofc sends Kirby away since you just sold something she loved. The bj is a single time event if you tell Kimura you want something more out of the deal and you can get it with the 50/50 as well.
You dont lose Emma by arresting Mario, both her invitation to the farm and her new quest depend on you arresting him.