The schwartzchild solution comes with a bunch of caveats! For example, it is eternal, it's not the result of a collapse solution. As far as I know, no one has

The schwartzchild solution comes with a bunch of caveats! For example, it is eternal, it's not the result of a collapse solution. As far as I know, no one has an analytic solution yet for black hole collapse of say a star in finite time. For an outside observer, in fact I believe an infalling object into a black hole is never observed to reach the event horizon at all. Since the infalling object could communicate (using light) with the outside observer, there's a sense in which they must agree on whether the object has or hasn't crossed the event horizon -- in this case, the non-observation of crossing the event horizon must not be just apparent, because of this communication. Since event horizons couldn't form in this case, then it should follow that a black hole cannot gain mass at all. I've yet to see a satisfactory debunk of those claims, at least at a level I could understand.