So, from my understanding (very little when it comes to mathematics), from an outside perspective, someone/something falling into a (supermassive) black hole slows down due to time dilation. They seemingly eventually come to a complete stop and red-shift into darkness. But current theories about black holes say that from the perspective of the thing/person falling into it, they wouldn't experience any change at all, aside from spaghettification.

I think this is wrong. Please correct me if this doesn't make sense but wouldn't the person/thing falling in experience the opposite (sort of)?

I would like to think that they would, in-turn, experience the rest of the universe, away from the black hole, speed up. They could never enter the black hole, however. Here's why I think this.

Like I previously stated, something falling in stops BEFORE the event horizon and, seemingly, stays there forever. So, the closer you get to the black hole, the faster the rest of the universe 'speeds up', the faster the black hole evaporates. At the event horizon, an infinite amount of time for the universe passes in zero 'event horizon instances' (time).

There should be a threshold for how close you can experience nearing the event horizon. This threshold is time dilation vs hawking radiation. You can only get so close before so much time is passing that the black hole is shrinking at the same pace as you're falling inward. You would stay at this threshold until the black hole entirely evaporates in the future, following the black hole era a googol+ years from now.

Anyone following me? I've thought about this for years and even emailed Dr. Steven Hawking with no response, but I wanna know if my logic is correct.?