Concerning the second point, there is actually a pretty fascinating explanation: For a small black hole, the "tidal force" when entering the black hole (i.e. the force difference between your feet and your head) would be so enormous that you'd probably get ripped apart (so-called "Spaghettification" - https://en.wikipedia.org/wiki/Spaghettification). However, the Schwarzschild radius (or event horizon) increases linearly with the mass of a black hole, whereas the gravitational force declines with the square of the radius. Hence, for a supermassive black hole with 10 million solar masses, the tidal force is not bigger than the one you experience here on Earth (https://en.wikipedia.org/wiki/Supermassive_black_hole), and you would probably not even notice when you cross the event horizon. Fascinating stuff.