I'm skeptical about some of the axioms and postulates of black holes, especially as they apply to black holes with one billion solar mass or thereabouts. It seems to me there are several concentric event horizons. The outermost is the limit of escape by a ballistic object. A powered object can get farther, perhaps several light years away. Another is the horizon where a distant observer observes that time has stopped. A possible third horizon is where light can not escape as observed by the distant observer and a possible 4th is where the orbital speed around the singularity reaches 0.9999 c. I suspect the radius of some of these horizons depends at least slightly on the speed, direction and distance of the distant observer.
The observer riding the clock ship suffers deadly tidal stress near the event horizon of a one solar mass black hole even if a point in his body is in free fall, but he does not experience a time perception change exceeding his distance from the free fall/gravity center of the clock ship.
For a billion solar mass black hole the clock rider experenses hardly anything until he is thousands of kilometers inside the event horizon, as he is essentially at rest with respect to falling clock ship, or so it seems to me. An exception would be quarks and other subatomic particles that resently did a sling shot manuver around the singularity.The clock rider would experience this as dangerous radiation. It seems to me that the singularity is too small to be hit and too small to eat matter. It can however convert matter to photons of electromagnetic radiation, so there may be lots of mass near the singularity, but much of the mass would be moving at high speed at a considerable distance from the singularity. The radiation from near the singularity would tend to divert matter falling in the general direction of the singularity with respect to an observer inside the event horizon. Neil