Hawking radiation' may be erasing black holes. Watching it happen could reveal new physics.

The whole concept of Hawking Radiation eludes me. As most do, this article says:
"This emission, known as Hawking radiation, occurs when virtual particle pairs pop in and out of the vacuum of space near a black hole's edge — its "event horizon." While these pairs normally annihilate each other, if one falls into the black hole, the other particle can escape as radiation. Over time, this leads to the black hole's gradual evaporation."

First, if mass is created from energy at an event horizon, it will be matter plus equivalent antimatter. If the matter falls into the event horizon, it will add to the mass. If the antimatter falls in, it will increase mass, at least until it meets some matter inside the event horizon and goes back to pure energy. Assuming equal amounts of each go into the black hole's event horizon, how exactly does this decrease he mass of he black hole?

And, in addition, how does the particle that is not initially aimed at the black hole's event horizon ultimately escape from the event horizon? Even if it was initially going radially outward, it would need to be going at the speed of light to ultimately escape, and matter doesn't do that, although it may get close if it is subatomic. For particles moving at some angle to the radial direction, wouldn't their (undisturbed) orbit have a low point ("peri-what?) inside the event horizon? How would they get out, again? I assume that they would emit Cherenkov radiation when passing through any matter inside the event horizon, but that should not be able to escape the event horizon, either.

So I am seeing means for the black hole mass to increase, but not decrease.

Does somebody have a better explanation of how spontaneous matter creation on the event horizon can decrease black hole mass?

And, even assuming that black hole mass does decrease with time, why would it "explode". If the mass within the black hole goes to anything like a singularity or non-singularity tiny volume, the decrease in mass would make its event horizon smaller, but that event horizon would not become so small that any of the mass inside pokes through it and could escape. much less "explode". Think of a neutron star that is barely not a black hole. It does not explode because it is not inside an event horizon. If matter really can crush down more densely than a neutron star, then how does it ever get outside its own event horizon? It could not be a singularity and do that. It could not even be close to a singularity and do that.

So, what is the better explanation? Bill's bar tender wants to know, too.