I don't know how to address the "consume" question. If you were pulling on a piece of fabric and two tears in it grew until they met each other to become one tear... would you say that the larger one consumed the smaller?
Wait, really? So if you had a super massive disk that was just 1 electron away from having enough mass to become a black hole... and then an electron popped into existence due to quantum randomness... then it would become a sphere instantly? Wouldn't that violate the speed of light or something?
Your disk will emit a lot of gravitational on electromagnetic radiation, and after a while it will be a nice sphere. (Unless it's rotating and it will be a nice somewhat-elipsoidal ball.)
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> and then an electron popped into existence due to quantum randomness
I feel there is a huge can of worms of technical problems in this sentence that nobody know how to solve for now. Just in case replace the quantum randomness with a moron with a broken CRT used as an electron cannon.
I'm not sure if we can measure the shape of black holes, but I'm sure everyone think they are spheres with a slight deformation due to rotation.