If a black hole evaporates before an observer falls through the its event horizon then it is tautologous that an observor will never cross the event horizon.
Moreover, if I recall what I read from Hawkings paper correctly, the energy released in the final moments of such an evaporating black hole is huge. In fact, Hawking writes in his paper, Particle Creation by Black Holes published in 1975:
When the temperature gets upto $10^{12} K$ or when the mass got down to $10^{14} g$, the number of different species of particles might be so great that the black hole radiated away all its remaining rest mass on the strong interaction scale of $10^{-23}$. This would produce an explosion of $10^{35}$ ergs.
An erg is an old-fashioned unit of energy, equivalent to $10^{-7}J$, so the resulting explosion would generate $10^{28}J$. Now the energy released by the sun prr second is around $4 \times 10^{26}J$. So we're looking at the energy released by around twenty suns in a second.
In other words, the observer won't cross the event horizon since they'd be blown to smithereens.