You might be right, but I would need to be further convinced because you could argue that as the event horizon continuously extends towards the particle, the pa

You might be right, but I would need to be further convinced because you could argue that as the event horizon continuously extends towards the particle, the particle slows down, slowing the extention of the event horizon. I'd need to see, with math, that indeed the particle does go past the event horizon in finite time, from the reference frame of an observer outside the black hole.