Don't count on finding big misconceptions here: in fact, questions about black hole entropy and the Beckenstein bound are some of the most intensely studied topics in theoretical physics today. Not that we understand the answers! But these issues are very near the heart of questions about quantum gravity.
As for your question about "actual" black holes, I think you may be missing some pieces of the puzzle, and I don't have the time to chat about them at length here. But one important point is that while outside observers may see infalling matter appear to stall out an infinitessimal distance from the black hole horizon, the standard classical or semiclassical result is that an actual infalling observer would pass through the event horizon without noticing anything special about it at all. (For a stellar-sized black hole, they would probably have already been ripped apart by tidal forces at that point ("spaghettification"), but that's unrelated to the horizon. For a truly massive galaxy-sized black hole where tidal forces are small at the horizon, the observer wouldn't notice anything special at all as she crossed the point of no return.) There is at this moment a massive debate raging in the particle physics community about whether quantum gravity effects might lead to a "firewall" at the horizon of a black hole that would change this story, but I don't think the question is settled yet.
As for localization of quantum states and information, again, all I can tell you is that people have been studying those issues a lot, too. The details of entanglement of states inside and outside a black hole are closely tied in with the current "black hole firewalls" debate that I mentioned earlier, for instance. So don't make the mistake of thinking that the physics community has neglected this sort of issue!
As for your question about "actual" black holes, I think you may be missing some pieces of the puzzle, and I don't have the time to chat about them at length here. But one important point is that while outside observers may see infalling matter appear to stall out an infinitessimal distance from the black hole horizon, the standard classical or semiclassical result is that an actual infalling observer would pass through the event horizon without noticing anything special about it at all. (For a stellar-sized black hole, they would probably have already been ripped apart by tidal forces at that point ("spaghettification"), but that's unrelated to the horizon. For a truly massive galaxy-sized black hole where tidal forces are small at the horizon, the observer wouldn't notice anything special at all as she crossed the point of no return.) There is at this moment a massive debate raging in the particle physics community about whether quantum gravity effects might lead to a "firewall" at the horizon of a black hole that would change this story, but I don't think the question is settled yet.
As for localization of quantum states and information, again, all I can tell you is that people have been studying those issues a lot, too. The details of entanglement of states inside and outside a black hole are closely tied in with the current "black hole firewalls" debate that I mentioned earlier, for instance. So don't make the mistake of thinking that the physics community has neglected this sort of issue!