I think you're the one missing the point, Ti.Teg. You said: "Unless you can find me a direct quote in the TOS or on the Help Desk that says that I absolutely must beyond a reasonable doubt submit a currently functional and publicly facing website to even be considered for review I will have to politely ask you to not reply."

Here you go:
Under Construction/Difficult Site Navigation
In order to be approved, your website must be launched and contain enough textual content for our specialists to evaluate. Websites that are under construction, don't load, or have non-functioning links, will not be approved. Please ensure that the URL on your application is entered correctly.

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What part of my previous response are you struggling with? You can't submit a half built website with no text, no URL and no content for review. If you do, your application will be rejected. Finish your web site and then submit it. That's not that hard to do.

And please refrain from criticizing me for telling you the truth. I looked at your site and it's nowhere near ready for submission. If you submit it as is and your application is rejected, I guarantee the next post you make will be "Why was my site rejected?" and I dislike those kinds of forum questions almost as much as I dislike "Why does Google have (such and such) policy?" It's a counterproductive discussion. Their policies are what they are.

It's not Google's job to give you pointers on how to build your web site or show you how it will look with advertisements before you are a part of the program. If you're that interested in seeing how the ads will integrate into your layout, why not just create a simple placeholder - either an image or a block of text, formatted to look like an Adsense ad block?

I have just given you some extremely helpful and constructive criticism that will hopefully get you on the path to approval of your (finished) web site. If you don't like my tone or the facts I present, that's none of my concern.