Okay, so this is my take on Tom, as someone who grew up 15 miles from his home town of Nottingham.
First of all, Nottingham is a dump. It has a high rate of crime, particularly burglaries, rapes, car thefts and break-ins, drug-related robberies, muggings, gangs and knife crime. The highlight of the social calendar is the annual Goose Fair, a five-day funfair where pickpockets, muggings and gang fights are the main entertainment.
Like all English towns and cities, the #1 recreational activity is getting drunk - that includes girls and women as well as men and boys. (I used to go out drinking in Nottingham when I was 14, in the early 1970s, and things there have not changed one bit, except that there are more pubs than ever in the city centre.) There are some affluent areas, but there is so much crime that the nicer areas are just seen as targets for the criminals.
Tom's "English Gentleman" personal is as fake as Darcey's tits. His sister has a working-class Nottingham accent and I would bet good money that he grew up on a council estate (projects). Nothing wrong with that, but don't try and pass yourself off as a toff when you're really as "common as muck".
As an Englishwoman, I can promise you that he has probably not had multiple one-night stands. I can't think of any woman I know who would find him attractive. Paunchy, old-fogey hair & clothes and vain as fuck. Nothing attractive about him whatsoever.
It was obvious Darcey didn't fancy him at all. Yet she is so desperate to believe that she is "in love" with him that we know she'll have sex with this man she does not find in the least bit attractive. She needs therapy to get to the root of why she's so needy she'll fuck someone she is repulsed by.
The restaurant they were at, Bluebird on the King's Road in Chelsea, is really nice (in fact I was there just yesterday, but in the courtyard cafe, rather than the main restaurant!) I would guess that if someone turned up dressed like Darcey who wasn't accompanied by a TV crew, they'd be asked to leave and only return when they were appropriately dressed. In fact, dress code for the venue is "very smart" (see link). I wore black tailored pants and a flowered chiffon blouse (not transparent!) and felt under-dressed compared with many of the other women diners. I certainly didn't see anyone dressed like a hooker.
This will not end well for Darcey.