[scotty79]

The point of event horizon is that everything at it expeiriences infinite gravitational time dilation in relation to everything even barely outside it.

So talking about things inside event horizon is about as physical as talking about things traveling at superluminal speeds. You can consider such object, it just takes more than infinite acceleration time to get there.

I don't really understand why people think they can get rid of the discontinuity at event horizon by changing coordinate system. It's as if we were considering function 1/x in new coordinate system xi where xi is defined as 1/x and suddenly we have a nice continuus function without anything special happening around 0. It's a mathematical sleigh of hand.

Sure, from the point of view of infalling matter nothing special happens at event horizon but why would we, outside people, should care about this perspective since the universe will evaporate before this infalling matter crosses event horizon?

So when black hole becomes made of mostly photons, they are all still outside of the event horizon, because infinite time has not yet passed outside.