I think one major problem we’re having here is that neither the genetic nor the evolutionary processes of speciation can be precisely described.
I described, precisely, how DNA replication is not 100% accurate, and thus it introduces germline changes. I described to you that these germline changes passed down from parent to child introduce variation into a population. Darwin described, accurately, how natural selection acts upon such variation.
Now if we observe a 0.001% change in a population over 20 years, what is going to stop it from becoming a 1% change in 20,000 years?
If two populations with that rate of change are separated for 20,000 years; why would they not be some 2% different in DNA between them? Why would this 2% difference not be sufficient to call them two different species?