DaveC426913 said:
For most of the BH' life, the distance to atoms is on the atomic scale. i.e. the fall time would be in picoseconds.
I don't think this is true for a hole that is actually going to grow (i.e., it won't evaporate before it accretes enough mass to push the evaporation time far out into the future), at least not within any kind of ordinary matter like that of the Earth. I can't resist analyzing this in more detail, so here goes.
First, let's write down a general formula for the fall time to a hole of mass ##M## from a distance ##R##. We can use the Newtonian equations for a point source of gravity for this because, as we'll see, the Schwarzschild radius of the holes we'll be discussing is so much smaller than the distances we'll be calculating that we can ignore relativistic corrections, since they will only be significant for a tiny fraction of the fall time. The Newtonian free fall time to a point mass ##M## from a starting radius ##R## is
$$
t = \frac{\pi}{2} \frac{R^{\frac{3}{2}}}{\sqrt{2GM}} = 1.36 \times 10^5 \sqrt{\frac{R^3}{M}}
$$
where I have plugged in all of the numerical factors, in SI units (so ##R## is in meters and ##M## is in kilograms, and ##t## comes out in seconds).
Next, the formula for the Hawking evaporation time of a black hole of mass ##M## (as has already been posted, I'm posting it again for convenience) is
$$
T = 5120 \frac{\pi G^2 M^3}{\hbar c^4} = 8.4 \times 10^{-17} M^3
$$
where again I have plugged in all of the numerical factors in SI units (so again ##M## is in kilograms, and ##T## comes out in seconds).
Evaluating the inequality ##t < T## gives us a first cut at a relationship between ##M## and ##R##, i.e., within what radius ##R## surrounding matter would have to be at to be able to fall into a hole of mass ##M## before it evaporates. This relationship is
$$
R < 7.25 \times 10^{-15} M^{\frac{7}{3}}
$$
So, for example, a 1 kilogram hole would have to have surrounding matter within ##7.25 \times 10^{-15}## meters to have any of it fall in before the hole evaporates. Since that distance is roughly the size of an atomic nucleus, such a hole would evaporate well before any adjacent atoms had time to fall in; only if the hole happened to be created inside an atomic nucleus (or inside an object with density comparable to that of an atomic nucleus, such as a neutron star) would anything have a chance to fall in prior to evaporation.
To get ##R## to roughly the size of an atom, i.e., roughly ##10^{-10}## meters, requires a hole of about ##59.4## kg. So a hole with mass less than that would not have a chance of pulling in adjacent atoms before evaporating.
For a hole to have a significant chance of accreting enough matter to keep itself from evaporating, it probably needs to have a mass within the radius ##R## that is comparable to its own mass. If we assume Euclidean spatial geometry (which is a good approximation for a planet like the Earth or an ordinary star like the Sun, but might not be for something like a neutron star), then the mass inside radius ##R## is ##\frac{4}{3} \pi R^3 \rho##; so if we want that mass to be the same as the mass ##M## of the hole, we plug the formula for ##R## in terms of ##M## above (using equality instead of less than) into the Euclidean formula, which, after some algebra, gives
$$
M = 9.25 \times 10^6 \frac{1}{\rho^{\frac{1}{6}}}
$$
So for a density of ##1## (the density of air, roughly), ##M## would be ##9.25 \times 10^6## kg, or 9250 metric tons. The ##R## corresponding to this is about 130 meters. For a density equal to the average density of Earth, about ##5500##, ##M## reduces to about ##2.2 \times 10^6## kg, or 2200 metric tons. The ##R## corresponding to this is about ##4.6## meters. And the fall time ##t## for this ##R## and ##M## is about ##5.9## seconds. (Note that this hole has a Schwarzschild radius of about ##3.3 \times 10^{-21}## meters, still much smaller than an atomic nucleus.)
So if we imagine a black hole of mass 2200 metric tons that somehow got created inside a ball of Earthlike-density matter with the same mass, and radius 4.6 meters, it would take almost 6 seconds for the hole to swallow all of the mass; and for most of that time, the distances that matter was falling to reach the hole would not be microscopic. Even more so, if we imagine such a hole created at the center of the Earth, it would take 6 seconds for it to swallow all of the matter in a sphere 4.6 meters in radius around it; but it would take about 20 minutes (per my previous post) to swallow the entire Earth, and for almost all of that time, the distances would not be microscopic. (Note that we can't just plug the Earth's radius and 2200 metric tons for ##M## into the formula for ##t## above; we would need to figure out a formula for ##t## if ##M## is changing with time as the hole accretes matter. That's more than I have the time or patience for right now.)