[jeffreyH (OP)]

Any opinions?

[Mike Gale]

Depends on the reference frame. As I understand it, the bookkeeper, who is infinitely removed from the horizon, perceives all of the kinetic and rest mass energy converted into potential energy, which manifests as additional space-time curvature. Local observers perceive no change in their own mass, but the rest of the universe gets infinitely massive because the observers achieve light speed at the horizon. (See https://en.wikipedia.org/wiki/Gullstrand–Painlevé_coordinates) What goes on inside is anyone's guess because the observers exceed the speed of light in that context. One would presume that the universe is whisked away by spatial dilation so the observers never reach the singularity. (See https://en.wikipedia.org/wiki/Lemaître_coordinates) The weird thing is that adding mass to one side of a black hole doesn't make it lop sided.

[PmbPhy]

Any opinions?

No. Rest mass is an intrinsic property of a particle and not something which is frame dependent. A better term for rest mass is proper mass. Think of it as the mass value m = square(E² - (pc)²)/c[sup2[/sup]  where E and p are measured in a locally inertial frame in which the particle is at the origin.

[jeffreyH (OP)]

Thanks Pete. I had already ditched this notion. It was based upon an incorrect assumption. Once I worked through the logic it was dismissed.

[Mike Gale]

Rest mass loses its meaning at the horizon because bookkeeper time stops. It achieves vacuum light speed in its local reference frame and coordinate light speed in all others.