Alex - absolutely, you could interpret the entire movie like that if you choose.
I don't think it's at all out of line to assume that Nolan left all of this open to interpretation. Certainly the ending was specifically designed to leave one wondering if Cobb was awake or not.
For a movie about dreams within dreams within dreams within dreams, where one of the presentations of the real world is purposefully twisted to leave it open as to whether it's been a dream, I don't see how it's not a legitimate, filmmaker-intended avenue of theoretical pursuit to imagine some or all of the other "real world" segments to be dreams.
In which case, yeah, your 13-year-old girl theory is as legit as any other, including the one where Cobb breaks his ethical vow (except, uh, what vow? - He never seemed to have any compunctions about performing inception, though of course he was embarrassed to reveal details of the time he successfully did it. Despite that, he seemed damned anxious to do it again. Hardly breaking an ethical vow.)
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