I keep asking myself questions about the situation at the event horizon. Particularly about the observer at that point.

With stellar-mass black holes, a human would be torn apart by tidal forces before they reached the event horizon - "spaghettified".

However, if you had a galactic-mass black hole, the tidal forces at the event horizon are small enough for a human to survive. In this case, a human observer could in theory reach the event horizon - although from their point of view, the journey would be over in an instant, since the intense gravity would cause them to approach the black hole at a significant fraction of the speed of light.

A recent hypothesis suggests that there is a "firewall" at the event horizon of a black hole, such that an observer passing into the black hole would pass through a region of intense radiation from their point of view and timescale (observers far from the black hole would see only extremely red-shifted Hawking radiation, equivalent to a very low temperature).

Now if only I could find a black hole and some marshmallows...

See:

http://en.wikipedia.org/wiki/Firewall_(physics)#Characteristics