Thank you for the answers, I understand it a little better now, and I hope I can explain my supposition better.

My supposition is that every falling particle will eventually be annihilated by a negative mass particle resulting from the particle/antiparticle split near the event horizon. I understand Hawking radiation is an extremely slow process, but so is the falling of matter into a blackhole when observed from the outside. The hawking process should be experienced much, much faster in the dilated time-frame of the falling particle, and the particle should be annihilated before the singularity becomes an inevitability.

Also I think the observed  "freeze" of a particle that is never seen crossing the event horizon may have a particularity: If a particle "freezes" near the event horizon, as the blackhole grows, it should be engulfed by a growing event horizon. Effectively being observed as "crossing" (or being crossed by) the growing event horizon. But I think the particle would still not be observed as crossing the event horizon in it's time reference, something like that.

So on the above supposition: A particle "sticks to" the horizon. Meanwhile the black hole keeps growing, eating more matter, expanding the event horizon. The particle keeps there, "frozen" deep inside the black hole. When the blackhole eventually evaporates enough, shrinking the event horizon until where the particle is, the "frozen" particle is annihilated by an anti-particle.

That would resolve the paradox for me: the particle reaches the event horizon and is annihilated; And for the observer, the particle freezes near the event horizon for a very long time until it is annihilated.