Time stopped = experience of suffering stopped. Doesn't sound too hellish?
Time inside the event horizon would seem to us to stop. However, to whoever/whatever that's inside the event horizon time would seem like normal. Therefore, if you are talking about suffering inside the black hole, the suffering doesn't stop as far as whoever that's in the black hole is concern.
Light can't escape = black hole filled with light, not endless darkness.
The extreme gravitational condition would drain or rip apart whatever energy that's there, including photons.
Intense gravity may even hold spirit beings? What is a spirit being and in what ways would gravity affect them? What other physical laws would affect them?
There has been many suggestions about what a spirit being is. One of the most popular one that people tend to follow, even if they know it or not, is that a spirit being is the consciousness of whoever that it used to belong to. Consciousness can also be viewed as information. If you know about black hole physics, you should know where I'm going with this.
A black hole is, by definition, a place where no information can ever escape. Since no information can ever escape, it is impossible to probe the singularity. But anyway, I propose that spirit beings are really consciousness of the dead. Since consciousness is really information, I conclude that spirit beings cannot escape from black holes.
Gravity is the same as acceleration so as you cross the event horizon, your perception of time will slow to a stop.
No, this is not right. As you approach the event horizon, your perception of time will not slow down or stop. Your perception of time will remain normal just like before.
What will be the case is your time relative to the rest of the universe will seem to slow down to almost a stop. In other words, if I am in a space ship half a light year away and I have an instrument that allows me to observe you while you accelerate toward the event horizon, you will appear to me as though you are in slow motion.