“but ahavas olam couldn’t- its already nightime and you should’ve made the beracha way earlier”
Not necessarily. If someone slept a ‘real’ sleep in the middle of the day, then he has to have in mind that the Bracha Ahavas Olam applies to limud hatorah immediately after Ma’ariv, which he should do immediately after davening.
In order to circumvent the issue, the eitza is to say the final bracha (Ohev Amo Yisrael…) simultaneously with the Chazzan (albeit in an undertone) which protracts the person from answering Amen to his own bracha.