We’d be somewhere between the event horizon and the singularity - once we’ve made it to the singularity we’d just be crushed into it to join the infinitely dense speck of matter.
Between the event horizon and singularity we can still exist as a unique object/entity, we just can’t move any matter/energy from the inside out.
But once we reach the singularity, we just become more mass in the singularity. No more me, or you, or Earth, etc: just singularity.
The time it takes to move from event horizon to singularity would scale with the size of the black hole, so I guess if the singularity had enough mass to generate an event horizon the size of what we understand to be the universe, then yeah the trillions of years it would take for things like Earth to form, life to develop, etc could all happen as we move closer to the singularity, but we run into the snags like the ones I mentioned in my first post - the observable universe would all be on a crash course toward the same point, and not uniformly moving away from everything as space expands; and the further out we look into space, the more distorted it would become: distant galaxies wouldn’t appear as neat discs, but as stretched lines. We could even use that distortion to infer the approximate location of the singularity and gauge how much time is left before we’re smashed into it.
A_A