If general relativity based models have struggled to help predict or explain planetary system formation and exoplanet observations, I think we should have the same level of expectation about how helpful a general relativity based black hole model will be.
General Relativity has pretty much nothing to do with planet formation.
Newtonian gravity is good enough for that problem, and the problems have nothing to do with not understanding gravity well enough. The problems have to do with things like complex chemistry in stellar accretion disks, how grains in these disks stick to one another to eventually form rocks, and so on.
You might as well be saying that if fluid dynamics models have struggled to help predict or explain CPU performance increases, we should have the same level of expectation about how helpful a fluid dynamics based model of aerodynamics will be, i.e. complete nonsense