Edit: I'm not referring to the giants, but to the little ones that might or might not exist.
First:
https://worldbuilding.stackexchange.com/a/202290/264
We have this answer which limits the consumption rate to the speed of sound in the material at the event horizon.
However, I just ran into:
https://arxiv.org/abs/2312.07647
concerning a black hole in a star. They are projecting a consumption rate based on the speed of sound at the distance from the black hole where escape velocity was the speed of sound in the material and ending up with a far more voracious black hole than in the answer cited above.
I find it hard to accept either of these as correct, though. The speed of sound part seems inherent, the question is where the eating surface is. As the material falls in the result will be a traffic jam. I can't see how the material can fall from that whole area unimpeded (as in the star-eating paper), but I also have a hard time with assuming the material doesn't compress at all (as in the planet-eating answer) as it falls.
Is there any better analysis on this?