Oh, no worries, I well understand how inhospitable black holes are. A human's conscious perception of time would likely stop before even getting within spitting distance due to irradiation or just plain incineration (accretion disks get pretty hot). The debate among physicists these days is the "Firewall Paradox," in simple terms the contradiction between the laws of relativity and quantum mechanics as they apply to black holes. Do they destroy elementary particles as well, or simply trap them inside to be released later when the black hole eventually evaporates?
Regarding the big bang needing time to exist, time did exist right from square one, but didn't have to exist beforehand. Nothing needs time to have existed in the past for it to happen now - I can do anything I want now and not need to worry about whether time existed billions of years ago or even one second ago. Likewise, if time and space began simultaneously, neither needed to be sitting around forever ahead of time, which conveniently avoids chicken-and-egg problems (if space can't exist without time, and time can't exist without energy, and energy can't exist without space, then how do any of them exist in the first place?).