I guess. The mathematical models we are using to guess at what is going on already break with what we've got.

Really as someone who intends to never enter an event horizon, mathematically there is no difference between the matter of a black hole being in a singularity, or being evenly spread just under the event horizon. The stuff that comes out of a black hole, gravity and charge, don't care so in a very real sense there isn't a difference.

In fact it might not even be defined in the same sense that many things in quantum mechanics aren't defined until measured. And since it can't be measured as far as the external universe is concerned, why would reality care to pick?