Right, I see. Your own frame is not contracted of course. One of relativity's gotchas. >.< As with your example of a particle passing Earth at 0.99c, an observer "within" the black hole also see a contracted you coming in, but that doesn't affect what you feel. Got it.
So what about the time...
I'm sure this has been asked before, but it's lost to me among all the false positives... If falling into a black hole would lead to you being spaghettified, and moving relativistically towards it would contract your length / etc., is there a speed at which they balance out? Seems calculable but...