Blackhole Event Horizons Have Shells

One of the things that has always bothered me about the way that scientists describe the approach to an event horizon is the idea that one can approach it as one is; i.e.-in a spaceship or just in ones human body, until the event horizon itself begins to effect one. For me this completely ignores the other gradations of gravity force that must be in effect at calculatable radii. For example, the state of matter that is present in what we call a neutron star is as it is because of a particular level of gravity force(based of course on the total mass present). That state must be present, even in some transitory manner, in one of the 'layers' outside the event horizon. These mutiple layers of multiple states of matter must form some sort of continually transitioning 'skin' or 'shell'. I think of it in a similar way that I think of the skin of our bodies, yet inside-out. As the new cells formed at the basal cell level transition upwards to eventually die and be sluffed, it is my belief that incoming matter forms a 'shell' of transiting material form that moves inwards to eventually be 'sluffed' across the event horizon.