Everything I can find says that time dilation approaches infinity at the event horizon of a black hole. Black holes evaporate over a finite amount of time. Wouldn't this imply that somebody falling into a black hole would eventually just see the event horizon shrink away from them as fast as they fall into it. This seems to imply that its impossible for anything to fall past the event horizon, everything just gets very close to the event horizon and then the black hole evaporates from underneath them.
Ive read through as many posts as I could find addressing this. The most direct one being this one: https://math.ucr.edu/home/baez/physics/Relativity/BlackHoles/fall_in.html
In all the posts that claim to have a definite answer I don't understand it. And all the posts I feel like I understand don't claim a definite answer.