In my mental model the internal structure of the black hole, composed of all the material that fell into it, is always preserved from some frame of reference.
As you fall into a black hole the event horizon shrinks away below you and from your own POV you never cross it. Thats true of every particle or photon it traps. Of course they get twisted and distorted by the extreme gravitational forces, but in principle there is always structure. I suppose from the internal perspective, Hawking Radiation manifests as a rain of negative energy.
I'm sure I'm wildly off the mark, but it's the best I can do.
As you fall into a black hole the event horizon shrinks away below you and from your own POV you never cross it. Thats true of every particle or photon it traps. Of course they get twisted and distorted by the extreme gravitational forces, but in principle there is always structure. I suppose from the internal perspective, Hawking Radiation manifests as a rain of negative energy.
I'm sure I'm wildly off the mark, but it's the best I can do.