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Plug estimated mass of universe to your schwarzschild formula and be amazed how close it is to observable size of the universe.

I tried once, but I'm not sure what terms to throw in there. Visible matter, estimated dark matter.. anything else?

I think my estimate came out to less dense than the required threshold but it was a while back now and cobbled together with some queries to wolfram.

This is true almost by definition, and doesn’t tell us anything interesting about black holes.