Well I haven't read everything but what I did read was interesting.
Yes I suppose it's easily possible that the universe may be so big that closed or open formats can still be around and we just don't possess the granularity of measurement to notice the curvature. However, until we get that evidence, we have to go on what we do have right now, and that shows a flat universe at least for the time being.
Time as "function of the observer" isn't right. POSITION of the observer is what determines how you observe time to pass, sure, but that's also true even if your "observer" is a grain of sand with no real awareness at all. Further, though it's relative to your position and speed, there is still an absolute answer after you do the math from that data. One's state of mind isn't relavent except in terms of how time "feels" to someone.
A lot of people seem to suggest that the 4D space the 3D "balloon surface" is "expanding into" is time, but I never got that impression. If anything it would need to be a spacial dimension. It doesn't make sense for physical objects to move through time that way. Really though, from what I can tell it's a moot point, at least right now, to bother trying to figure out what it means for a 3D surface to "expand into" something that we have no way of detecting (as of yet).
Though a "closed" universe would allow one to see the back of their own head, this assumes the universe (specifically the back of your head part of it) has been around long enough for the light shining from the back of your head to fly all the way around and hit your eyes. Good luck standing still long enough to see that in action. It also assumes that the universe isn't still expanding, specifically expanding so fast that light can't keep up thus meaning you'd never ever see the back of your head because the light would never get to the other side. These two represent flat and open formats, and the balloon shape isn't quite the way to get it across. More like thinking of an ever expanding flat surface or crazy arse hard to render "saddle shape" where the parts pointing up and down expand into eternity.