I think Chloe being the Bee miraculous holder is too obvious to be true.
Raise your hand if you agree with me.
I mean, you can easily point it out.
-color scheme
-her mirror has a honeycomb design
-Master Fu's appearance in Anti-bug (He only appears in important episodes so far so I got the clue from that)
-she loves her hair so much, which also means she would like combs in which the Bee miraculous is also a comb.

Anyway, Imma talk about her personality here. We all know Chloe is a "bratty snob". But all miraculous holders reveal their other personalities when transformed. She could be very humble and caring and kind for all we know. And personally, I don't think anyone can be that bad, people have reasons, and also this might mean this links to the theory of why we haven't seen Chloe's mom yet.