According to Black Hole Complementarity, when an observer sees another falling into a black hole, the effect that gravity has on light waves would make any observation of the person slow down, eventually stopping him before he hits the horizon. In addition, he will appear to be "stretched" across the whole horizon, his particles being hit and separated by the halves of virtual photon pairs that, since the other half is unobservable inside the horizon, have the same effect as normal photons. Meanwhile, to the one falling in, there is nothing particularly interesting about the horizon. Am I correct?
Then in theory, say the person falling in is feet first. What will happen? Will his feet appear to slow down and never hit the horizon although he should observe nothing special at the horizon? In addition, since the stretched horizon (hot membrane resulting from aforementioned unruh effect) is above the horizon, won't the person falling in observe it anyways?