"I've always been concerned about a singularity being totally unexplainable"
And possibly not even needed to explain black holes and even horizons. The common description of a black hole: A region of space where space-time is so curved by the total mass contained within such that that light cannot escape. That describes the closed version of our universe. That is, if you had binoculars powerful enough, you could stare off into space and see the back of your head as you stared off into space (billions of light years in the past, so be patient).
Given sufficient mass (dark matter, etc) we might be living in a black hole. With no singularity in sight.
Biting the hand that feeds IT
