Saying that no one else does what Naoto does on the christmas event is kind of missing the point of having different characters in these scenes in the first place. Naoto's problems are different than Chie's, or Yukiko's, or Rise's. It's not hard to imagine someone with Naoto's issues actually trying to tackle her problems as she did, even on the christmas scene. Why I have a hard time applying the idea of "pandering" to that.
The romance routes in P4 all have varying degrees of unnaturalness to them, but Naoto's is the worst, by far. She basically turns into a shrinking violet, and loses all aspects of her character that made her interesting in the first place. It's pretty obvious they were trying to pander to a certain demographic by doing that. Oh and it's still creepy how you manipulate her into wearing clothes she's not comfortable with, just so she can please you.
The shrinking violet thing isn't specific to the romantic route though, it's ANY route that requires any kind of socializing, which is another one of her issues in the first place. She's like this to a degree the first time the IT asks her to go out on her first day of school, she's like this when they invite her upstairs to the VIP lounge, etc.
By being in a romantic situation in any facet, she's GOING to become that as such things are completely alien to her. Now, if you want to argue that she probably shouldn't have been an option for a romantic route in the first place, that'd make sense.
