What you say is true. The thing is that getting infalling stuff into the horizon in finite time isn't considered an issue, and I've never heard any of the "big thinkers" about black holes, Hawking radiation, etc, mention any worries about needing to tunnel into a black hole. So I just wouldn't want to say that tunnelling in is in any way a consensus view.
Well, most discussion of black holes addresses them as steady-state objects. But when you start talking about growth of a hole (say, as a possible route to formation of supermassive holes) the issue comes up. The two basic models I have heard of are: 1)vaguely invoke QM tunneling to get the stuff to jump the gap, and 2) assume the in-falling matter accrues in a shell or ring to such density in finite time that it undergoes gravitational collapse itself. At the time, the latter was deemed problematic, as you'd be expecting the equivalent of yet another kind of supernova event that wasn't being observed. That however, was a while ago.