Well, with Reylo the goalposts for consummation were always on wheels. Before TROS, Reylo was said to be unequivocal fact because they touched fingers in the rain, and that was as good as consummated, because “in Star Wars, kissing is like sex, and touching is like kissing, so ergo, vis a vis, concordantly…”
But still, that snark aside - the climax is a mess of “cool” ideas implemented poorly. Leia should have disappeared as soon as Ben was either healed, or just after he talked to his dad. Ben should have resurrected/healed Rey before Rey’s final fight with the Emperor. Both of them should have been voices (or ghosts) in her final fight. It wouldn’t have been hard. But the filmmakers seized on the cool idea of having them both disappear at the same time, and chose the wrong dramatic moment for that disappearing to happen. It’s like they wanted to maximize emotion, and decided the best emotion to maximize was actually “dissatisfaction.”