EDIT: See my answer. Question is malformed as it was based on the assumption that something like Hawking radiation (i.e. mass draining) occurred prior to the formation of the event horizon based merely on the mass of the object.
This is essentially the version of this question that asks Hawking radiation be thrown into the mix. I've attempted to describe the scenario for the most part in terms of observational compatibility and only a few GR terms to minimize the chance my ignorance will render the question incoherent.
Can one construct (or prove existence of) a spacetime compatible both with both Hawking radiation and an infalling observer following a collapsing star's surface down with an event horizon in their future.
The concern being that Hawking radiation might melt away the concentration of matter too quickly for the infalling observer to ever reach the event horizon. I suspect the answer to this question will simply be "Yes, such a solution can be proved to/suspected to exist" but that will finally explain to my why (not if since I do assume physicists know what they are doing) Hawking radiation doesn't let us dispense entirely without trapped surfaces in our GR solutions by melting the almost black-holes before they pass that final threshold.
I'm not interested in QM style answers about particles having to cross the event horizon for Hawking radiation. I just want the answer if you calculate dumbly in classical GR with the equations governing rate of mass loss from Hawking radiation just taken for granted without presuming any particular mechanism or complex/controversial possible GR/QM interaction.
This question is somewhat similar to this question but it differs in that I'm not asking about solution to the information paradox or anything of the kind. I just want to know what kind of solutions one gets by simply stupidly combining Hawking radiation and GR since such a solution would seem to be what is needed to raise the information paradox in the first place. In particular, shouldn't the answer to this question have to be YES to send people out looking for other less stupid ways to confront the information paradox?
As an aside, would the answer change if bodies very very close to generating an event horizon emitted Hawking radiation?