The event horizon might never "complete" in finite time either, but from the outside it can become increasingly indistinguishable from a complete event horizon

The event horizon might never "complete" in finite time either, but from the outside it can become increasingly indistinguishable from a complete event horizon over time as the black hole's mass compresses along the surface of the event horizon. Light escapes from the mass less and much less often over time. Black holes were originally often called "frozen stars" to emphasize how from our point of view, the mass never quite made it into the interior of the event horizon. Relevant: https://astronomy.stackexchange.com/a/14239 https://astronomy.stackexchange.com/a/14239. It seems like you're just placing restrictions on the term "black hole" that no one else is.