Honestly, finding a good five-times fic with genuine twists is like striking gold. Most of them follow the same predictable rhythm—the miscommunication, the near-misses, the dramatic reveal. It gets stale. The best ones I've come across subvert that structure entirely.
There's this 'The Last of Us' fic for Joel and Ellie, though it's not romantic. It used the five times format to explore five different moments Joel almost let her go, each for a darker, more selfish reason. The final reveal wasn't a happy reunion, but Ellie realizing a truth about his loyalty that shattered her completely. The twist was that the structure itself was a trap for the reader, lulling you into expecting a certain emotional payoff that never came. It was brutal.
Another one, from the 'Detroit: Become Human' fandom, had five times Connor almost deviated. The twist was that the fifth time was the first time, and the previous four were simulated scenarios Hank ran to test him. The whole emotional build-up was a program, and the real relationship started from scratch after that. Blew my mind. Those are the stories that stick with you, where the format isn't just a cute container but the core of the psychological game.
The real trick is the author understanding that a twist isn't just about the final 'time.' It's about making you re-evaluate every single preceding scene. If a story manages that, it's a cut above.