I'm not going to comment on the "cosmic censorship" hypothesis of black holes since that's actually an incredibly difficult topic, but regarding the tidal forces that would rip you apart, there are certainly large enough black holes that would allow you to comfortably enter the event horizon without being ripped apart. But just to give you a taste of how counter-intuitive this subject can be, consider that despite the fact that light cannot escape a black hole it is conjectured (by Hawking no less) that black holes can emit radiation! (The mystifying mechanism of this involves, very roughly, quantum fluctuations at the event horizon spontaneously giving rise to particle/anti-particle pairs, with one particle of negative mass falling into the horizon and the other of positive mass going out.)

The event horizon is only the "point of no return" insofar as it's the imaginary boundary inside of which even the forward light cones are oriented towards the center of the sphere (so that light cannot escape no matter what direction it's emitted in). It's not the point at which the tidal forces are so strong that matter is ripped apart (or even just your macroscopic body).