Time dilation is infinite at the event horizon, after all.
As you approach the event horizon, your frame of reference slows asymptotically to match that of the black hole. While the universe around you fast-forwards toward heat death, the Hawking radiation coming out at you blue shifts the closer you get until it is so bright as to be indistinguishable from a white hole.
You’d never cross the event horizon; you’d be disintegrated and blasted outward into the distant future as a part of that very Hawking radiation.
To an external observer, you likewise never cross the event horizon, but instead appear to slow to an ever more redshifted standstill until you evaporated along with the rest of the black hole. There are no contradictions between what they see and what you see.
Following this logic, nothing crosses the event horizon, even space itself. A black hole warps spacetime to the extent there is no “inside” of it. Instead, it’s a shell of energy with an entropy that scales with its surface area. And it’s violently exploding, slowly.
A black hole might be darker and colder than the CMB or as bright and hot as the Big Bang; it’s just a matter of perspective.
What am I missing in this picture?