mef said:
Let's do it differently.
How much will the remote observer's clock show when, according to the local clock, matter reaches the horizon?
As has been said so many time, it depends on which events on the infaller's world line are considered to be the same time as on a stationary world line some distance from the horizon. Schwarzschild t coordinate as a definition simply doesn't work because it isn't defined at the horizon and it behaves like an axial distance rather than a timelike coordinate inside the horizon.
However, there are many well behaved coordinate systems, such that a line of constant time and angular coordinates represents a smooth spacelike path through the horizon and up to the singularity. Each such different choice of well behaved coordinates will give a different answer to the above question. However, for any particular choice of well behaved coordinates there is a definite answer. For example, in:
https://www.physicsforums.com/posts/6601010/
I discuss platform adapted Lemaitre style coordinates. If these are used to define 'when', then:
If you have clock on a platform hovering at r=2R, where R is the Schwarzschild radius, and r is the Schwarzschild radial coordinate, then the platform clock will read ##R(\sqrt 2 + \pi/\sqrt 2)## when the falling test body reaches the horizon, and it will read ##R\pi\sqrt 2## when the test body reaches the singularity (counting from the platform clock being zero when it drops a test body; R is in units of light seconds).
For a typical stellar BH, e.g. 8 solar mass, the time on a platform clock at twice the Schwarzschild radius r coordinate, from when it drops a probe to when the probe reaches the singularity, for this definition of “when”, is just 355 microseconds.