The thing about her asking Momo rather than the boyfriend is that it makes sense. Marigold may not be experienced in relationships but even tho she did not even think of Dale until Hanners pointed it out, on some level she must realize it would be a bad idea, specially since they have not been together that long, it would be too soon.
Also, other than that one time that she brought it up to guilt trip Momo, I don't think she actually cares about being repaid. As far as she is concerned, it was a gift for a friend, and she is asking a friend to officially be her roomate...which means a lot and shows how (specially after chassis upgrade) Momo is not seen as merelly a fancy anthropc but rather her own person, having her own identity and being respected as such. It's rather heartwarming and inspiring to see that.
On a non-related note, There are so many open possibilities/plots going on that it might be a while before we get resolution or a glimpse into some of them, since we haven't in a while already *coughDora/Sven*cough*