My rather limited understanding is that. first there is a lot going on and due to the forces and gravitational gradients involved, matter itself probably would not survive the journey that close to the horizon. But ignoring that, When in compressed time, from the point of view of someone freefalling, timewise everything is normal, the rest of the universe has accelerated and in the case of a black hole has just aged out and died but you are fine. from the external point of view they are taking forever to get there.

Where my imagination fails(above my pay grade) is in the face of infinity, what are the implications of infinite time compression?(everything happens at once?)