That's true garcor...which is why I think it would be a harder task for Taj to make it to the Finals more so than winning the game. And rest assure Stephen is a smart enough player to know just that.
Even if the hypothtical female F3 did play out, no way no how either Debbie or Erinn would have brought Taj to the Finals.
JT is not the smartest tool in the shed, so he might consider it. Then again he'd have Stephen right at his side convincing him not to.
The only feasible way I see Taj making the Finals is if she makes the F3 AND wins the final IC. Forgetting the ridiculously lame "building a house of cards" challenge, historically the final IC has not been a format that favored someone like Taj.