How can I ever fall into the black hole if by any onlookers perspective I never do?
Because Oppenheimer's original frozen-star description is the one that's right. Have a read of The Formation and Growth of Black Holes on mathpages, where author Kevin Brown refers to two interpretations:
"Historically the two most common conceptual models for general relativity have been the "geometric interpretation" (as originially conceived by Einstein) and the "field interpretation" (patterned after the quantum field theories of the other fundamental interactions). These two views are operationally equivalent outside event horizons, but they tend to lead to different conceptions of the limit of gravitational collapse. According to the field interpretation, a clock runs increasingly slowly as it approaches the event horizon (due to the strength of the field), and the natural "limit" of this process is that the clock asymptotically approaches "full stop" (i.e., running at a rate of zero). It continues to exist for the rest of time, but it's "frozen" due to the strength of the gravitational field. Within this conceptual framework there's nothing more to be said about the clock's existence. In contrast, according to the geometric interpretation, all clocks run at the same rate, measuring out real distances along worldlines in curved spacetime. This leads us to think that, rather than slowing down as it approaches the event horizon, the clock is following a shorter and shorter path to the future time coordinates. In fact, the path gets shorter at such a rate that it actually reaches the future infinity of Schwarzschild coordinate time in finite proper time."
These are two interpretations of GR. Most people only know about the second one, which involves future infinity and like Conifold said, "going past the end of time". I think it's wrong, and that the simple way to appreciate it is to ask this: has the infalling astronaut has crossed the horizon yet? The answer is no, and it's always no. He only crosses the event horizon in some mathematical never-never land beyond the end of time. In this real world, he never ever does.
Some people will challenge this and say it can't be right, because if it was right, a black hole could never form. But IMHO that doesn't pay enough attention to the "frozen" concept. The black hole can grow like a hailstone grows. If you're a water molecule alghting on a growing hailstone, you can't pass through the surface. But other water molecules can surround you and bury you. So whilst you can't pass through the surface, the surface can pass through you. Thus the hailstone grows. In similar vein the black hole grows, and you end up inside it.