"Applicable" to what?
What do you mean by "record formation"? Receiving light from an event on the horizon? In this case, the only clocks that will do so will be ones that cross the horizon themselves, but I don't see the problem with that.
Do you argue that because outside observers never see infalling clocks reach some finite proper time T, that implies an observer traveling with the clock would never see it reach T or beyond?
If so, someone could make the same sort of argument about the
Rindler horizon, since after all, an accelerating observer who remains outside the horizon (like one of the ones at fixed coordinate position in
Rindler coordinates) will never see anything cross it, the only way to see light from an event on the Rindler horizon is to cross the horizon yourself (which should not be too surprising, since from the perspective of an inertial frame the 'Rindler horizon' is just one edge of a future light cone). Note that the relationship between Rindler coordinates (where the Rindler horizon is at fixed coordinate position and it takes an infinite coordinate time to reach it) and inertial coordinates (where the horizon is moving outward at the speed of light and can be crossed in finite time) is very closely analogous to the relationship between Schwarzschild coordinates and Kruskal-Szekeres coordinates (where the event horizon expands outward at the speed of light). So if some accelerating observer who remained forever outside the Rindler horizon seriously argued that worldlines simply "end" before reaching the proper time T where they are supposed to cross it, what would your response be? I don't see how your position is any less implausible.
Why do you say that? It would certainly form an event horizon in finite time in Kruskal-Szekeres coordinates, to name one. On the right side of this diagram from the
Gravitation textbook by Misner/Thorne/Wheeler, you can see a collapsing star in KS coordinates, the gray area representing the interior and the black curve representing the surface, with the event horizon as the line at a 45 degree angle labeled r=2M, t=infinity (the label referring to Schwarzschild coordinates):
What would a coordinate system have to do with a picture? A photo isn't "native" to any particular coordinate system.
Q: How long does it take for a black hole to form?
A: Too vague. Depends if you are talking about coordinate time in some system, or proper time of some clock...and of course it also depends on physical specifics like the mass of the black hole, the point of the collapse you want to start counting down from, etc.
Q: How long does it take for its mass to increase?
A: You mean, when a new object falls in? I don't think there's any well-defined way to measure the "mass" of an extended object in a coordinate-independent way, so this would presumably depend on your choice of coordinate system too, and how you define "mass" (see
this page on the difficulty in defining 'energy' in GR in a non-local sense, since mass and energy are equivalent the problems should be the same)
Q: What is the age of the universe?
A: Again depends on what coordinate system/clock you use, but the most common definition uses a coordinate system whose definition of simultaneity is such that the universe's density is about the same everywhere at a give coordinate time (the average rest frame of the cosmic microwave background radiation), and whose time coordinate matches up with the proper time of a clock that remains at rest in this system. In this case the universe's age since the Big Bang is estimated at 13.7 billion years.
Q: What is the theoretical justification for claiming accreation disks, jets, and other evidence of black holes are not also evidence of pre-collapsed dense masses?
A: Because as long as you accept GR, and you accept the principle of "geodesic completeness" which says geodesics shouldn't just "stop" at some finite proper time when it's possible to extend the spacetime manifold in a way that allows them to continue and which respects the Einstein Field Equations everywhere, then for a sufficiently massive object collapsed below a certain radius, it can be proved that an event horizon must form and that whatever's inside cannot be a stable dense mass but will collapse into a singularity (that's what the
singularity theorems mentioned at the start of the thread are all about).