If you orbit a black hole for a year, four years would have passed for a outside observer.

I don't know who or what you are quoting with that statement.

It would certainly be true for one particular orbit at a certain radius at the appropriate speed for that radius.

If you change to an orbit at a larger radius than that, your orbital speed would also decrease and your time dilation would be less. Similarly if you decrease the radius of your orbit, you would also increase your speed and the combination of those two actions would be reflected in a larger time dilation.

If you didn't have to worry about an accretion disk trying to turn you into plasma, you could keep decreasing the radius of your orbit, subsequently increasing your orbital speed, to the point of almost totally freezing your clock rate as seen by an outside observer. You could then witness the Universe evolve through millions or even billions of years by an outside observers time, in a matter of weeks, days, hours, minutes, or even seconds.

Although matter can not travel at the speed of light, there exists no restriction on how close to light speed it can go. There are some energy considerations, but here the energy can be supplied by the Huge amount of gravity.

And you can do all this without touching the event horizon.

If you get to this point, between you and the event horizon is still a region where light is trapped in an orbit around your black hole. The radius that corresponds to the orbital speed of light.

Hope that helps.