I have an even easier proposal, which basically amounts to using Painleve coordinate time as the standard instead of Schwarzschild coordinate time. Since at very large r, the two are almost the same, the idea is this: just use proper time along any infalling geodesic as the standard of simultaneity. That is, if it takes me one year of my proper time to fall from a faraway space station to the horizon of a BH, then the event of my crossing the horizon is deemed to be simultaneous with an event on the station's worldline one year, by the station clock, after I leave the station.
One key thing I would want to look at, for both these proposals, is how they match up with light travel times. That is, when we combine the suggested simultaneity convention with the travel times of light, do we get something reasonable? For example, if the faraway space station sends a laser message after me, at what time by the station's clock would it have to be sent in order to reach me just as I cross the horizon?
In the case of your suggested convention, I would want to formulate a similar comparison: the "time" by the station clock at which I am deemed to cross the horizon is determined by the time at which a 0.9c test probe would need to be sent after me in order to reach me just as I cross the horizon, plus the elapsed proper time for the probe times gamma. At what time, by the station clock, would a laser message have to be sent in order to reach me just as the test probe does?
(One thing that bothers me a bit about your proposal is that the comparison I just described depends partly on gamma--i.e., on the velocity of the test probe--as well as on when I leave the station. In my version, that's not the case.)