Question for astronomy buffs.

[mike_c]

3. as mass stretches and jostles around the accretion disk it heats up

A lot. That's where most of the emitted radiation originates, just outside the event horizon. The force of gravity inside the EH exceeds that of normal stars, i.e. the force that ignites their fusion reactions. At the EH mass is stretched by gravity and accelerated to near light speed as it falls toward the point of no return. There's a lot of energy in play. There are also light years long plasma streams ejected from the EH at the poles of at least some black holes, at right angles to the accretion disk. Black holes are notoriously difficult to study. There should be brazilians of them but we have only actually found a couple dozen. The undetected ones are presumably not shining brightly.