Sure but it's not every day that we extend models into a domain (near the singularity) where we know our model must eventually break down somehow. So I think you'll see why I'm a bit sceptical about your claim that
> the collapsing matter that formed the hole hits the singularity and is destroyed
I don't even know what "destroyed" is supposed to mean. Is the claim that the matter simply disappears from the spacetime, with all its conserved quantum numbers and other conserved quantities?
As for:
> The singularity theorems of GR guarantee that the key features of that model, the singularity and the collapsing matter getting destroyed in it, must be true as long as the collapsing matter has the equation of state of ordinary matter.
Do they? The Singularity Theorems assume the existence of a trapped surface. Last I checked[0] (I didn't check deeply, though) the mathematical results on when trapped surfaces arise are very few and far between. Is there a clear proof that in realistic models of black hole formation we must have a trapped surface eventually?
[0]: This was in 2020 when the Nobel committee dubiously claimed that Penrose's Singularity Theorems prove that black hole formation and singularities "are a robust prediction of the general theory of relativity".