Yeah, I always found this whole thing to be hyperbole and sensationalism by people looking for a cool sound-bite for a tv bit. For a human-sized human crossing the event horizon of a black hole from a gravitational viewpoint you’d not even notice unless the black hole was super tiny and you were insanely close to the singularity itself. From your own perspective you’d just continue accelerating. The fact that no known force could prevent your inevitable “swallowing” is largely irrelevant. Going from almost an infinite amount of energy required to an infinite amount of energy? What’s the difference in the real universe? I imagine that the radiation environment from things being almost caught but instead yeeted out into the void would be more of a pressing issue. There’s likely layers of that depending on the size, nature and velocity of things in orbit.

From an outside observer’s perspective all sorts of crazy things would appear to happen, depending on your relative distances and the size of the black hole and the radius of its event horizon etc. None of that would be experienced by you, the poor hapless chappy in peril, you’d be dead from something long before you got close enough to get actually super-stretched.