Depends on the size of a black hole and from what clock you are using. For super massive black holes the general accepted, but unsettled events would be as follows. For a external distant viewer would basically see a traveler passing the event horizons clock stopping and it would stay that way for effectively forever. For the person passing the event horizon they would not notice the change and they would die of old age or starve before ever reaching the singularity.
As for the OP, it is not only the contents the individual components that effects the total energy but also the arrangement of those parts.
As an example hadrons like protons and neutrons tend to have more energy and mass than the quarks that they contain. When compared to an electron a proton only has ~1% more mass (2*mass of up quark + mass of down quark)/(mass of electron)
The rest of the remaining 99% mass differential comes from the gluon binding energy (and a tiny amount from random non valence quarks).
Compare this to hydrogen which is lighter than the sum of the mass of and electron and proton.
This is not consistent across all elements, and is demonstrated by stars inability to create elements (in quantity) larger than Iron. Nucleosynthesis of those elements heavier than iron requires more energy than is produced, while elements that are iron and lighter release energy during fusion. Heavier elements are produced only during supernova.
I think most of the confusion stems from the popularity of e=mc^2, but that formula is a simplified version that only applies to objects that already have mass and are not moving. e^2=(mc2)^2+(pc)^2 is a more complete form where p is momentum.
Take for example a photon which has mass, and would be e = pc, or a non-moving object where p = 0 you end up with famous e=mc^2.
Fusion in elements that are lighter than iron tend to have less “potential” energy and you can consider their tight arrangement as being similar to a rock rolling down a hill.
If you had a sensitive enough scale you would find that a rock has less “mass” or energy in this context.
TLDR there is no scientific basis for the mass equivalence transmutation, it is manufactured game play. So it may be more fruitful to look at flaws within that gameplay than trying to find a QFT workaround.
“RPG”?