There have been some lengthy discussions, here and here (among others), about whether, to the distant observer, black holes form in a finite time or an object falls into a black hole in a finite time. To the extent that readers understood and addressed the OPs' questions, it would seem that things can collapse to a point that it's very much like a black hole, a "collapsar", and can be treated like one and astronomers talk about it as if it were a black hole. But still stuck outside the event horizon.
But nobody seems to have explored some of the implications of that. The free-falling observer falls through the event horizon and hits the singularity in a finite amount of proper time. The distant observer never actually "sees" (or could infer by measurement) that the free-faller reached the event horizon, but eventually will see the stars run out of fuel and wink out as the universe continues to expand, and the black holes evaporate by Hawking radiation and disappear, and all of that before, in the external flat-space reference frame, the free-faller crosses the event horizon.
At first glance, maybe we can't just assume that, from the free-faller's perspective, the event horizon is going to statically exist long enough to reach it. But GR is a classical theory that exists without that. So if, in distant coordinates, it takes an infinite amount of time for the free-faller to go through the event horizon, how long does it take for the free-faller to reach the singularity? More than infinite?
It seems like a lot has been said about what's going on inside the event horizon that might just be null and void. Would quantum gravity explain what happens at the singularity? Irrelevant, because there is no singularity. Is information lost when it crosses the event horizon? Irrelevant, because it doesn't cross the event horizon--we might not be able to get it back, but it's still stuck outside. What does it actually mean for time to become spacelike and the spatial dimensions to become timelike? Maybe it literally is nonsense, like the advanced-wave solutions in EM which are mathematically valid but physically meaningless. Maybe it's a clue.
Understand that I'm not questioning the validity of GR, just the popular understanding of it vis-a-vis black holes and event horizons.
To make this a specific question rather than a call for discussion, is it just physically meaningless to talk about what happens "inside" of a black hole?
I suspect this will be an unpopular perspective.