I think you have a misconception about GR here. In GR, spacetime isn't just an "optical device" that delays rays cast in an absolute reference. In relativity, the behavior of light rays is actually closely related to interpretation of time and space. You can't separate the two. In fact, the definition of (relative) local time is given exactly by the rate a "light clock" ticks when communicating periodically to a "light clock" located elsewhere. Approaching the event horizon, the rate of clock ticking goes to 0 relative to an outside observer (to the the limited extent that coordinate frames can be defined in GR). So classically you can't say that to the outside observer the BH forms in finite time, I don't think. What matters in the end is what the observer sees, which, according to you, would be (for Bob, far away):
Alice falls into BH -> Alice approaches EH -> Alice's BH evaporates -> Alice finishes falling into the BH
That's not possible! The light rays from evaporation, which happens, in Alice's own frame, after she falls into the BH, cannot precede the light rays from her fall. So she cannot truly go past the EH.