[Suicide Junkie]

And so, it looks like you all agree with my point about how black holes should not pull ships in.

A better model for the black hole would be a scaled damage from the center out.
Flying past the event horizon is very bad. Orbiting really close would shear your ship apart (since the closer bits of ship orbit faster that the farther out ones and/or gravitational shear since the gravity pulls harder on the closest part of the ship)
farther out, say halfway to the edge of the system, heavy, normal damage would be incurred by the accretion disk we see.

ie.
Center square: instant loss of the ship
ring 1: take (5 x mass of ship) damage
ring 2: take (1 x mass of ship) damage
rings 1-5: take 750 damage