> you're playing semantics here for literally no point other than to be a pedant on the InternetPhysics insists on precise terminology for a reason. It's not just pedantry.
> JUST AS COOL AND INTERESTING is a clump of matter that fits inside its own Schwarzschild radius, that's inside a universe-sized black hole
The only difference is that the clump of matter contains matter, while the universe-sized black hole can be idealized as vacuum (or at least as being so much lower in density than the clump of matter that this density can be ignored when you're analyzing the clump of matter). But that has nothing to do with any properties related to black holes. See below.
> Such an object seems to me that it still has all of the interesting properties of a black hole, while existing inside of a black hole.
And my point is that this is not correct, as a matter of physics, not words. There are no "interesting properties of a black hole" which change in any way when you cross the boundary from the universe-sized vacuum region to the clump of matter region. The only property that changes is the density of stress-energy. As far as any "interesting properties of a black hole" are concerned, there is just one region.
Here's another way to put it: when you think of the clump of matter inside the universe-sized black hole as "fitting inside its own Schwarzschild radius", you are calculating the Schwarzschild radius based on the mass of the clump of matter. But that calculation only has physical meaning if the clump of matter is isolated--i.e., if it is not inside the universe-sized black hole. If the clump of matter is inside the universe-sized black hole, then the only Schwarzschild radius that has physical meaning is the one you get by plugging in the total mass of the universe plus the clump of matter. (And even that is only meaningful if the "universe" in question is not expanding, as I've posted elsewhere in this thread.) So if you are thinking of the clump of matter as being a black hole because it fits inside its own Schwarzschild radius, you are thinking of it wrong, as a matter of physics. That's why the term "black hole" is not appropriate to describe it. It's not just a matter of words.