SBF seems to automatically want to introduce the philosophical whenever he sees Cofty present a position.
Very true. However, philosophy is, at it's core, thinking about what we think, how we think about those things and why. It's a way to understand why we think what we do and see if there is a way to improve that. It's not mystical, it's not obfuscation, it's not even esoteric in the generic sense, it only becomes esoteric with the subject matter we are applying philosophy to is an esoteric subject matter. We could apply it to baking a cake, writing music or investigating the nature of reality.
Interestingly, philosophy emphasizes critical thinking, reason, logic and rationality. It absolutely allows for assumptions, in fact it requires them in many cases. Having said that, as with everything, the proof of the pudding is in the eating of it. If the assumptions are demonstrably false or unprovable, then the end result of the thinking is either unprovable, wrong, or right for the wrong reasons.
In this case, philosophy is being used as cudgel, not as a tool. Mixing up of materialism and naturalism, making statements about incorrect assumptions, using biased sources interested in proving a point (that themselves use bad logic and incorrect assumptions) as legs of the logic stool (let the reader use discernment) are absolutely the wrong way to go about philosophy.
It reminds me of Mortimer J. Adler's book, "How to Think About God", in which he claimed he could absolutely use a philosophical argument to prove the existence of God, you know, allowing for multiple unprovable assumptions required to make his logic work and rejecting any argument that showed the flaws.