From my undergraduate understanding of general relativity, from the perspective of a falling observer, time progresses as normal as they fall into, and straight through, the event horizon. However, from the perspective of an observer at infinity, it takes an infinite amount of time for them to actually cross the event horizon, as they observe the faller slowing down infinitely as they approach the horizon.

However, black holes don't have an infinite lifespan, due to Hawking radiation. Since causal events can't switch order in various reference frames, it suggests that since a black hole would evaporate before an observer at infinity would observe the faller pass the event horizon, an object can never really enter a black hole.

Furthermore, since time is proceeding as normal from the perspective of the falling frame, someone falling into a sufficiently large black hole such that spaghettification is a non-issue would simply watch the black hole evaporate in front of them moments before they cross the event horizon.

In effect, an object dropped into a black hole never really enters it, it simply gets flung some ridiculously long time into the future.

Is this understanding correct?