Trying to use $\chi = 2 - 2g$ to describe things that aren't closed orientable surfaces is missing the point, I think. In my opinion one should think of the Euler characteristic of a compact space as a homotopy-invariant refinement of the cardinality of a finite set; see this blog post. A closed disk is contractible, so has Euler characteristic $1$, and that's the most transparent interpretation of it. You might also be interested in the argument in the blog post that derives $\chi = 2 - 2g$ from homotopy-invariance and inclusion-exclusion.
The thing that possesses "half a hole" isn't the closed disk; if anything, it's $\mathbb{R}P^2$, which also has Euler characteristic $1$. And this is totally sensible as it can be described as the quotient of $S^2$ by an action of $\mathbb{Z}/2\mathbb{Z}$.