Well, ironically the fact that Caroline's choreography is complicated means that she makes more pauses, changes direction, sort of skates to and fro. To some people that seems complicated and elegant, to others disjointed and lacking flow. The second quality is what the judges perceived: they just don't like her style.
Good point. She gets much better flow and coverage in her exhibition programs. Her recent two exhibition programs are both masterpieces and she's got great speed and flow in them. I think it's not just because of competition stress & nerves, because tonight she skated with freedom and joy (even Dick Button noted this), and yet she still didn't have the same kind of speed/flow as in her exhibitions. I think you are right that it's because her choreograhy is quite complicated and she's constantly changing directions and speed, pausing, and doing little jumps, so she never reaches any steady speed.
Not every choreography is good for every skater. I think next season she should definitely change choreographer and also get faster, more upbeat music, more like her SP.