Mr. Foley,
Your theory is quite similar to one I have been working on for some time, to explain the loss of second class women who had access to the boats, were traveling unaccompanied by men, but were lost nonetheless.
Mrs. Carter, Mrs. Chapman, Mrs. Howard, Mrs. Lahtinen and Mrs. Turpin apparently would not leave their husbands. Apparently Mlle Yrois also chose to remain with Mr. Harbeck. That leaves six unaccompanied women who were lost: Miss Hiltunen reportedly came on deck late and got delayed by handling Mrs. Hamalainen's suitcase? Mrs. Mack may be the elderly woman at Boat 9 who lost her nerve and returned below. There was a report that Miss Funk gave up her seat to a woman trying to join her children in a boat (if true, perhaps that was Mrs. Becker at Boat 11?)
But what about the others?
We know Mrs. Karnes and Mrs. Corey were traveling together, and that Mrs. Corey was eight months pregnant. Coming from India, they may likely have fallen in company with Miss Funk, as well as Mrs. Corbett, who may have offered her services as a nurse.
If they had all become acquainted, of course Mrs. Karnes would be looking after her friend. Knowing Mrs. Corey's "delicate condition", Mrs. Corbett and Miss Funk, if already acquainted with her, may very likely have looked in on the two ladies to offer their assistance. Likely, so would their stewardess. Of the two second class stewardesses, Mrs. Snape was reported to have said farewell to her passengers. Was anything reported of Miss Walsh after the accident?
Now, here's the new twist I'm suggesting to the plot: Roused in the middle of the night, with noise and confusion in the corridors, and being eight months pregnant, might Mrs. Corey perhaps have gone into premature labour (or, alternately, false labour)?
This definitely would have complicated things. My next question: how long did the second class lift continue to operate, or were the second class passengers on their own to climb the staircases?
Here's my theory in its final form(for now): Mrs. Corey went into premature or false labour; Mrs. Karnes sent for the stewardess (perhaps Miss Walsh) and/or for the nurse (Mrs. Corbett). Miss Funk, if she had become acquainted with them, might also have joined them.
With the ongoing medical emergency, not knowing the seriousness of the nautical emergency, and perhaps with the lift being out of operation, the ladies may have risked staying in Mrs. Corey's cabin to assist in the delivery.
Mrs. Karnes (and possibly also Miss Funk) would not have left her friend, Mrs. Corbett would not have left her patient, and the stewardess (Miss Walsh?) would not have left her passengers.
Well, there it is. Of course, there's no way we can know for sure, but does it seem plausible? What do you think? I would welcome your response.
If it happened that way, it would certainly be a case of several more unknown Titanic heroines, in the spirit of the words of Jesus, "Greater love hath no man than this, that someone should surrender his soul in behalf of his friends" (John 15:13), which would have matched well what we know about the faith and professions of those ladies.
Sorry for the long post, but I wanted to set things out clearly, based on what information we do have.
Best regards,
Mike