@Scoottie
The thing is, when you look back on his thoughts and wants, Toda was being very lustful and had thought much like the creep hence his thought process leading to him realising he may not be so different. After all his love for Nakano evolved from his lust/obsession for her which isn't so different from the creep's lust.
>he wouldn't have thought of those things if he wasn't in love.
Would he really ? He didn't know anything about her and had barely talked to her before, he was obsessed with her and came to love her as he knew her but before that it was pure lust. He had these thoughts before, that's the point the author is trying to make here what he wouldn't have done is act upon those thoughts (or atleast I think he wouldn't have) while the creep in the bus definetely would have acted upon them.