While I completely agree with you on everything else, I think Occam's razor points to the opposite. Trump loves beautiful women. Stormy Daniels is pretty nasty, big boobs aside.
Notice, with both of the women who've accused Trump - that crazy cat lady who accused him of rape, and Stormy Daniels, both range from ugly to mediocre. As crass as it is to say this, Trump has much higher standards in women and is used to much better. That alone makes the entire case sound fake to me.
Trump is always pointing this out, as much as he can, without getting into too much trouble for it - calling Stormy "Horseface," and the other crazy lady he said something to the effect "she'd be lucky if I wanted to rape her," or something like that. In both cases Trump is trying to signal not that he's ashamed of being an adulterer nearly as much as he wants people to know his standards in women are 10x higher and he is used to it. His pride is more insulted than his virtue.
Think about it - why on earth would Trump cheat on his wife Melania for Stormy? That's like going from a Rolls Royce to a Volkswagen. It makes no sense whatsoever. Occam's razor says Trump never touched Stormy, if anything he rejected her and she's attacking him out of revenge for being rejected.
It is very possible Trump cheated on all of his wives - but with much, much, much better looking women, and it wouldn't surprise me to learn of a bombshell woman coming out years later with a tell-all claiming she was an affair of Trump's. But these women? No way. That's why none of it seems believable to me.