I look at it this way, there is a third option. as we are not told when we must throw the switch the tracks, we wait to do so when the trolley will be at the intersection. Thus the sudden change will partially or fully derail the trolley killing neither the 5 nor the single.

How about mine, friends with a woman for a long time. Shared an apartment together. we were drunk one night. She starts touching me, we go to bed. She changes mind. I Stop... FULL STOP. I attempt to leave her bed. She Plows me in the jewels. i crumple into a ball. She starts screaming RAPE. I start to get up and again…