Redshift changes the energy of the light but it still travels the same speed locally

An in falling observer is a non accelerating observer by definition. An in falling observer is inertial. You are viewing the world from a newtonian perspective. The proper acceleration of an inertial observer, is 0, an observer acting under only gravity is inertial, they are following a geodesic, that’s literally why they are falling. This is essentially what the equivalence principle is telling you. There is no “gravitational force “ pulling you.

In Kruskal-szekeres coordinates you can clearly see the event horizon is not defined for the in falling observer. The event horizon is not defined for observers following a geodesic

You are getting confused here, for reference my specialism is in general relativity, this is the field of research i do.

Yeah, the redshift of light happens for the same reasons but rather than dilating the time, its about contracting lengths.

That isn’t the reason, the reason you don’t observe time dilation in your own frame is because as an in-falling observer you are not accelerating or in motion (you always see yourself at rest), so for both the in-falling and outside observer to agree on the local speed of light, they must disagree on space and time. (Although a specific combination of these is conserved)

The in falling observer actually can’t even define where the event horizon is

It means as an outside observer watches you fall, they see each tick on your clock taking longer and longer to happen the closer and closer you get to this magical point

No, it isn’t. Can you cite an actual detection of the unruh effect?