João - I don't think the account has any woman in boat 3 smoking. I believe Mrs. Spedden's account has the woman drinking whiskey from a flask and refusing to share. Elizabeth Schutes had a couple of men - whom some put as Thomas Cardeza and Gustave Lesneur - smoking.
Regarding Mrs. Cardeza's heritage, according to Judith Gellar, her father was an immigrant from England who made a fortune supplying uniforms to the Union army during the Civil War. I don't know how much of a social handicap this was - the Drexels, who seem to have held a lot of sway socially in Philadelphia by this point, didn't arrive in the US until the nineteenth century. And the father of Tessie Oerricks and Virginia Vanderbilt was an Irish (and Catholic) immigrant, and they were pretty important to Newport and New York.
Some of what we know about Mrs Cardeza indicates that she could be a difficult person (particularly as a mother and mother-in-law), but I do think she had heart. It appears that she was good to the people in her employ and, according to Judith Gellar, she gave away large sums of money without calling attention to it.
My guess would be she could have occupied a larger place in society than she evidently did if she hadn't been so busy traveling and living large. Still, it is strange that she turns up in so few survivor accounts. She seems like someone whom the other Philadelphians would at least have been aware of. It's worth nothing, though, that she wasn't in the vicinity of the Boat 4 crowd during the sinking, and it's the sinking that Marian Thayer's and Emily Ryerson's accounts largely deal with.