Habouz asked: "What's the Schwarzschild metric in terms of a falling observer's coordinates?"
The transformation rule can be found here and here:
$${\rm dt = d\tau+dr \ v} / \hat g_{\rm tt} \ , \ \ {\rm v = -c \ \sqrt{r_s/r}} \ , \ \ 1/\gamma = \rm \sqrt{1-v^2/c^2}$$
with that you transform the old coordiantes $\rm \hat x$ to the new ones $\rm \bar x$:
$$\bar g_{\mu \nu} = \sum_{\sigma, \kappa} \ \hat g_{\sigma \kappa} \ \rm \frac{\partial \hat x^{\sigma}}{\partial \bar x^{\mu}} \ \frac{\partial \hat x^{\kappa}}{\partial \bar x^{\nu}}$$
so the metric in regular Schwarzschild/Droste coordinates (with time $\rm \hat x^0 = t$) where the local observers are stationary with respect to the black hole:
$$\hat g_{\mu \nu} = \left(
\begin{array}{cccc}
\rm c^2/\gamma^2 & 0 & 0 & 0 \\
0 & \rm -\gamma^2 & 0 & 0 \\
0 & 0 & \rm -r^2 & 0 \\
0 & 0 & 0 & \rm -r^2 \sin ^2 \theta \\
\end{array}
\right)$$
transforms to Gullstrand/Painlevé coordinates (with time $\rm \bar x^0 = \tau$) where the local observers are free falling raindrops with the negative escape velocity $\rm v$:
$$\bar g_{\mu \nu} = \left(
\begin{array}{cccc}
\rm c^2/\gamma^2 & \rm v & 0 & 0 \\
\rm v & \rm -1 & 0 & 0 \\
0 & 0 & \rm -r^2 & 0 \\
0 & 0 & 0 & \rm -r^2 \sin ^2 \theta \\
\end{array}
\right)$$
where the covariant spatial components are euclidean:
$$\bar g_{\rm i j} = \left(
\begin{array}{cccc}
\rm -1 & 0 & 0 \\
0 & \rm -r^2 & 0 \\
0 & 0 & \rm -r^2 \sin ^2 \theta \\
\end{array}
\right)$$
which is just flat space in spherical $\{ \rm r, \ \theta, \ \phi \}$ coordinates:
Hamilton & Lisle wrote: "In the river model, space itself flows like a river through
a flat background, while objects move through the river according to the rules of special relativity"
Here are two such free falling raindrops in Gullstrand/Painlevé coordinates sending signals to each other when they are half way through the black hole (at $\rm r=r_s/2=1$, photons in green):
If you take ${\rm dt = du}\pm{\rm dr \ c} / \hat g_{\rm tt}$ or alternatively ${\rm dt = d{}_T\pm dr \ v^2/c} / \hat g_{\rm tt}$ instead (with $\rm {}_T=u \mp r$) you get the Schwarzschild metric in ingoing or outgoing Eddington/Finkelstein coordinates where radial photons have a constant coordinate velocity of $\rm dr/d{}_T=-c$, while in Gullstrand/Painlevé coordinates the free fallers have a coordinate velocity of $\rm dr/d\tau=v$.
In regular Schwarzschild/Droste coordinates on the other hand, at $\rm r=r_s$ you get $\rm dr/dt=0$ for all particles and photons since the bookkeeper's coordinate time $\rm t$ freezes at the horizon.