Yeah, the idea of Cloud and Tifa being more akin to fuck buddies is mind boggling. That's Yuffie's job, gosh darnit.
While it may be scandalous for unmarried couples to share a bed in the phillipines, in the cultures that FFs world seems to draw from most- Japanese and English/ American/etc., there's no particular stigma for them sleeping together. There'd actually likely be more visceral reaction to them raising kids as an unmarried couple than sharing a bed.
But anyways, as was said earlier, narrative fiction is generally based around assuming cultural norms and commonalities, and then deliberately noting an exception/ deviation from said norm. And even in said deviations there are also commonalities, such as the Uncle Ben white space used for Zack and Aerith.
In Japan, the presumption is for couples to sleep together, either on futons next to each other, or in beds- and since the FF7 world is a bed world, it makes sense C and T would have their own bed.
Taken out to the whole LTD, these commonalities explain pretty much the entire thing- The head game from disc one, the feints before the major disc one punch, the plot twist thereafter, even the viewing everything in light of the later revelation, the highwind scene, everything.
Which is one of the reasons the 'fairy tale love' thing makes so little sense, since aside from sharing a fantasy setting, FF7 has pretty much none of the fairie tale commonalities.