Well, no empirical evidence exists for what happens to matter inside a black hole, so physicists uses models based on our empirical evidence of how gravity works outside a black hole to predict what happens.

From Kip Thorne, the event horizon is not really a special or unusual location in space. If you are falling into a black hole, you wouldn't really know when you crossed the event horizon unless you calculated it because nothing unusual happens.

This stuff about hyper intense chaotic balls, if they happen, wouldn't ramp up any more from passing the event horizon than any other location. If the black hole is large enough, you could fall well inside the event horizon before you experienced any lethal effects - effects that occur from other gravitational bodies, just on more extreme scales.

Now, this might not apply to a rotating black hole, which have complex event horizons and gravitational fields. From what I understand, a rotating black hole can have such a deformed event horizon (think an elipse) that the singularity is almost (but not) exposed. Still, if you were near such a black hole, you would probably be torn to pieces before getting near the event horizon anyway.