keithdow said:
Let me make the question even simpler. I am at rest 10,000 Schwarzschild radii away from the event horizon of a black hole. I have a reference clock. I release an object that falls to just above the event horizon and then stops there for an instant then falls in. If time starts when I drop the object, at what time does it reach the event horizon? At what time does it reach the singularity? All times are measured from my reference clock.
I believe I understand what you are trying to saying.
When you say "All times are measured from my reference clock," you mean that you will map your local inerital coordinate system over all space time, or at least as much to include the black hole horizon. This is a commonly used mapping by cosmologists.
In this coordinate system, the answer to "how long it will take?" is 'forever', which is why the horizon is called a coordinate singularity in the first place. The relationship between metric intervals between these coordinate maps is infinite.
Also, in any well behaved coodinate system exteral the horizon, the round trip time is infinite. That is, there is no loop causal relationship between an external object and a black hole unless the black hole has existed forever. This is a time interval somewhat longer than 15 billion years, Earth time.
So if cosmologists want to keep saying things about what this-or-that black holes is doing, they should either claim black holes have existed longer than the age of the universe, or say they are deviating from their standard adopted clock and using one, instead, where the age of the universe is infinite.
At this point, objections might be raised about primordial black holes or black holes resultant from 'quantum fluxations'. Again, it takes infinite time, as measured on Earthly clocks, for them to grow to solar mass.
Proceed with caution! Infinity is long time, and has been known to make many people very angry in these forums. Never use the synonym 'never' for an infinite time interval when discussing black holes among black hole enthusiasts.