From the OP
Do event horizons appear to be surrounded by all the stuff that has ever fallen in?
Simple answer...yes, BUT!...it depends on just what you mean by "surrounded' and also your frame of [observer] reference. One viewpoint is that everything that has ever been enclosed within the black hole event horizon is represented as information residing just outside the even horizon...maybe at Planck length outside (per Leonard Susskind).
But there is a lot more to it:
Here are several descriptions which cover the basics:
Two 'simple' ones first:
from Roger Penrose:
There is no mass as we know it (inside); inside all particles have been destroyed and gravitational effects remain outside the event horizon along with a few characteristics (electric charge, spin, etc).
Mitchell Porter posts:
... the idea is that the interior of the black hole has a dual (holographic) description in terms of states on the horizon; a lot like AdS/CFT, with the horizon being the boundary to the interior. So when someone crosses the horizon from outside, there's a description which involves them continuing to fall inwards, until they are torn apart by tidal forces and their degrees of freedom redistributed among the black hole's degrees of freedom, all of which will later leak away via Hawking radiation; but there's another description in which, when you arrive at the horizon, your degrees of freedom get holographically smeared across it, once again mingling with all the black hole's prior degrees of freedom (also located on the horizon), which all eventually leak away as Hawking radiation
and moving on to the more complex:
[Two concepts first. If you are familiar with special relativity, no gravity, you'll note that two high speed observers do not in general measure identical distances (lengths) nor even the same passage of time. In general relativity, with gravity, gravitational potential also affects the passage of time. So different observers in general make different observations; there is no absolute 'reality'.
From Kip Thorne in BLACK HOLES AND TIME WARPS
when the star forms a black hole:
Finkelstein's reference frame was large enough to describe the star's implosion ...simultaneously from the viewpoint of far away static observers and from the viewpoint of observers who ride inward with the imploding star. The resulting description reconciled...the freezing of the implosion as observed from far away with (in contrast to) the continued implosion as observed from the stars surface...an imploding star really does shrink through the critical circumference without hesitation...That it appears to freeze as seen from far away is an illusion...General relativity insists that the star's matter will be crunched out of existence in the singularity at the center of the black...
[How can this be?? It seems crazy! (It is!) Think about a near light speed observer looking at a clock tick off time back on earth,,,it seems almost stopped...but not to the person on earth...nothing is unusual in the appropriate local frame.]
[This quote shows why nothing we observe can be inside the horizon: if it were nobody outside could observe it!]
Kip Thorne says (Lecture in 1993 Warping Spacetime, at Stephan Hawking's 60th birthday celebration, Cambridge, England,)
The flow of time slows to a crawl near the horizon, and beneath the horizon time becomes so highly warped that it flows in a direction you would have thought was spacial: it flows downward towards the singularity. That downward flow, in fact, is why nothing can escape from a black hole. Everything is always drawn inexorably towards the future, and since the future inside a black hole is downward, away from the horizon, nothing can escape back upward, through the horizon.
Black Hole Complementarity
Leonard Susskind, THE BLACK HOLE WAR (his arguments with Stephen Hawking)
Complementarity
(p238) Today a standard concept in black hole physics is a stretched horizon which is a layer of hot microscopic degrees of freedom about one Planck length thick and a Planck length above the event horizon. Every so often a bit gets carried out in an evaporation process. This is Hawking radiation. A free falling observer sees empty space.
(p258) From an outside observer’s point of view, an in falling particle gets blasted apart….ionized….at the stretched horizon…before the particle crosses the event horizon. At maybe 100,000 degrees it has a short wavelength and any detection attempt will ionize it or not detect it!
(p270)…. eventually the particle image is blurred as it is smeared over the stretched horizon and….and the image may (later?) be recovered in long wavelength Hawking radiation.
FAQ black Holes Virginia Tech
http://www.phys.vt.edu/~jhs/faq/blackholes.html#q11
Will an observer falling into a black hole be able to witness all future events in the universe outside the black hole?
The normal presentation of these gravitational time dilation effects can lead one to a mistaken conclusion. It is true that if an observer (A) is stationary near the event horizon of a black hole, and a second observer (B) is stationary at great distance from the event horizon, then B will see A's clock to be ticking slow, and A will see B's clock to be ticking fast. But if A falls down toward the event horizon (eventually crossing it) while B remains stationary, then what each sees is not as straight forward as the above situation suggests.