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Amanda -- Wow! I've read a lot of FQXi essays over the years, and this is one of the most interesting I've seen. One thing I didn't notice you tackling, though, was an explanation for the consistency among observations. I have an idea on that: The kinds of observers familiar to us -- biological and technological ones -- share a topological connection which makes inconsistent observations impossible. That idea is central to my essay, "Toward an Informational Mechanics," as is Rovelli's relational quantum mechanics (which I was thrilled to see you mention -- Rovelli just doesn't get enough love).
In my essay's comments section, there is some discussion about solipsism. I explained my thought that collective reality is a kind of "collective solipsism," but you're absolutely right that each observer frame corresponds to its own universe. It's just that topologically connected observers necessarily observe common informational features of the universe, and I think it is precisely this commonality and consistency that creates the appearance of a single universe. I hope you have a moment to check it out.
Great work again, and best of luck in the competition.