I guess the destiny of any object that falling into a black hole will depend on its size and the density of the black hole it falling in. And from distant observer it should looks different.
A small, very dense black hole with 1 Solar mass and object metallic meteorite: the meteorite will be destroyed by tidal forces and electrons in each atom will fall in to nucleus, forming neutrons. When this will close to the event horizon, it will from a mini black hole. This process will take very long time for distant observer.
Huge 50 Billion solar mass black hole with density < water and object metallic meteorite: Because of the density of the gravitational field G and small dG/dL and mass and density of mater in meteorite event horizon for meteorite will form long before reaching black hole. Distant observer can see how the meteorite become a black hole, and its event horizon grows as it approaches the huge black hole. The meteorite will not be destroyed by tidal forces. Process for distant observer will be much faster.
Did I miss something?