On the Jonikal, Diana and Dodi were talking and were upset because of the papparazzi hovering over the yacht and Diana said " I'll start to look like Fergie " In what way like Fergie?

I thought she was referring to the photos taken of Fergie with that guy kissing her toes. A photo that would upset the Royals. Just a guess, right?

what diana meant she didnt want to look like fergie because fergie was having an affair with a person from texas and he was the one sucking her toes and stuff and the royal family didnt approve of it so diana didnt want to end up like her in that aspect

On the Jonikal, we don't know what words were spoken between Dodi and Diana. We only know what the writers wrote. Its all speculation. And on the subject of personal conversations between Dodi and Diana or Dodi and his father or Diana's phone conversations. Do you really believe the bodyguards heard all.