sevenperforce, you have managed to touch on quite a few interesting and fundamental topics here, such as how Hawking radiation is supposed to work.
But black holes made of just a few elementary particles, which is one of those interesting and fundamental topics, is also the theme of some fringe physics which, if it shows up here in force, will get the thread closed by the moderators.
That would be unfortunate, because it is a topic that really is of fundamental significance, one that isn't yet figured out, and which has been the subject of work by some of the best physicists; and which also can be approached through some quite simple mathematical examples, so discussion doesn't have to be limited to just verbal pictures.
So, first of all, there is apparently quite a history of physicists seeking to model elementary particles, especially the electron, as black holes. The most recent work in that vein might be by Burinskii, whose papers are on arxiv... But when you examine an electron from this perspective, it can't be a Schwarzschild black hole, it has to be something more exotic.
I have to say that I have never seen the topic of Hawking radiation addressed in such models, and if that's your own original thought, sevenperforce, then I consider that admirable, even if you were just being logical... But Hawking radiation is indeed more complicated than just a particle tunneling across an event horizon. It's an interaction between the black hole and a field mode (e.g. electromagnetic field). Matt Visser has a paper which tries to identify the essence of the process, I don't know if he succeeds.
A place where the quest to understand black holes and elementary particles on a common footing has had some success is string theory, but it's only a limited success so far. String theory has produced microphysical models of black holes as bound states of branes, but only "eternal black holes" which are in an equilibrium - there is no exact string-theory model of black hole evaporation, i.e. progressive depletion of the black hole by Hawking radiation.
Also, there's no stringy model of black holes made of real-world particles. One of the things that distinguishes string theory, as an approach to quantum gravity, is that you can't just study gravity in isolation. You're always dealing with a setup where the graviton is just one string state among many. So it has a certain holism, but it also means that (until string theorists identify some specific calculable framework as The Real World), at best it provides models with a qualitative resemblance to reality.
Nonetheless, I am talking about the string theory approach at some length, because I think it really does represent progress. In particular, at Planck-scale distances, the gravitational force law will deviate from a simple inverse square law because of heavy string states in addition to the graviton, and it should mean that e.g. the usual reasoning about the "black hole electron" is invalid.