On my fifth run, I ended up getting shot at the border after saving Zoe. I saw that she was at 100%, meaning this was probably going to be the last that I would see of her barring whatever the ending of this game entails, so I decided to save her knowing I would just be in the shoes of another character in moments anyway.
On my sixth run, I crossed via riding on a truck. I'm not sure if all the trucks options lead to the same scenario, but instead of using one of the highlighted options (picking lock, breaking in, etc..., I found an unmarked options with a driver standing around and paid him $50.
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KCF can't actually be a real person but he is - greengravy