Then go for a tag if you feel that's best, but don't do a tag if it feels like too much. I already posted my opinion, but to add on everyone has their own thresholds with their stories. I only use the mature tag for explicit stuff like nudity, gross stuff, or graphic violence because the story overall has mature topics so my readers won't be blindsided. (Like, I'd probably have to tag almost every page on profanity alone. Lmao!) Although things like what was mentioned can cause strong reactions depending on context and graphicness... also nudity is just restricted to adults anyway because the human body = sex thing.
As long as you put up an age rating and general CW you can at least defend yourself. If you get some kid trying to tell you up you can at least say "Hey, I put up a warning, it's your own fault for reading." Regarding Apple, I'm not sure if the staff still does this but once upon a time I occasionally contact the staff for their opinions on explicit pages. Of course that was back before the mature content ban, so they were totally fine with everything, but you may be able to get their feedback still if you don't feel confident about whether a scene is too mature or not for their corporate overlords. Maybe via the Discord server, or an email, I'm not sure if the staff here deal with that stuff but you can give it a try.