OK, lets run this in order.
When the spell says "Creates" it means creates, by the very logic that what the spell says, it does. The barriers list requires 1 cu foot of stone to be within 50' of the caster to CREATE 100 cu feet of stone wall, as it doesn't say so, the 1 cu foot of stone is not consumed, so it's only used as a template of kind or some such. If the spell said "Assemble" or "Teleports in" and/or required 100 cu feet of stone be near the caster, and/or said it actually removed or moved any stone, we might be talking something else, but indeed, it says "Creates".
There's a whole list called "Creations" which can also create enough mass to crack a planet. . .and I'd assume that with the list titled "creations" and the spells stating it creates the matter in question that it's actually. . .creating matter.
Considering the latter half of your statement is saying stick to what the book says, I'll say you cannot reasonably argue that "create" means something other than "create". So we have spells that as is, create matter in large enough scales that converted to energy would be vast amounts of energy. . . .
I agree with the logic that after a spell's effect is done and an object is created, it responds to the laws of physics. . you can smash a wall to bits and cart it off, it cannot be dispelled.
I dissagree with your application to this instance, as a phantasm is an active, ongoing effect. i.e. it's not the creation of a lump of stone that is normal, inert matter from that point on, it's creating and sustaining an ongoing magical energy construct. i.e. it's ongoing magic, which can and will conflict with some physical laws. Among them being, how can something with no mass support the weight of a person? A feel phantasm bridge can support weight. . .Phantasms are not fragile and break when stressed, they break when struck. . . you can walk on them for instance as long as you tred lightly.
In the notes for Phantasms, you see:
Note: The sense aspects of an Illusion, Mirage or Phantasm are actually created – no RR to “disbelieve†– and detecting that it is an illusion can normally only be accomplished through the use of spells or through the use of a conflicting sense. Even after the illusion is detected, it still exists (but the detector knows that it is not real).
Red stress is mine. . ."conflicting sense" is important. If you make a phantasm with everything but a feel, it can be detected by touching it, your hand passes through it, it's fake. . .similarly if it doesn't have taste and you lick it, you can detect it has no taste, etc etc. . . .but a "conflicting sense" is required. . .i.e. you need to use a sense not applied to the phantasm. . .if it has all five senses activated, the only way to detect it is either by using magic or attacking it to break the feel componant.
so, as the book says if it has a feel mirage, then in all ways it "Feels" right, just like in all ways the object will look right with the illusion part, smell right with the smell mirage, taste right with the taste mirage, and sound right with the sound mirage. . .part of feeling right is texture, firmness, rigidity, and temperature.
It would seem that:
a) an extra sense can be added (the corresponding Mirage spell must be known);
You must know the light molding list "Light mirage" spell, but if you do, it can be melded in, just as all the feel/taste/smell mirage spells can be, and just as the sound mirage off of sound molding can be, or the various presence and power mirages can be melded into it.
There are specific provisos about damage always being martial arts, so the ruling, as Rasyr said earlier, about a phantasm of a hot stove effectively striking you would be a giveaway when it breaks your finger rather than burning it, but there's no reason why a non damaging level of heat is contra indicated anywhere here.
The way to detect an illusion is via a contrary sense, i.e. one not included by the caster. . .or a detect spell. . .moderate temperatures are part of touch, so I see no reason why they should be excluded from feel, which "makes an object or surface feel differently than what it is" which is open ended enough to cover warm and cool. There is nothing about the text indicates that there's anything about touch that cannot be duplicated, other than the specific damage effects proviso/limitation.
I suspect you have a house rule in effect that isn't in the books. . .low level spells can and do manipulate what to physics would be massive amounts of energy, it's magic!
Worthy of another thread, but there are plenty of ways to create perpetual energy sources in RM with magic, at least, perpetual until dispelled or broken, so I don't know what