Personally, I’m what you might call “skeptical” about singularities generally. If gravity is dependent upon the quantity of mass, then either the quarks and gluons are being converted into something else that also happens to have mass, or, they’re still essentially the same entities with the same properties but maybe slightly different – sort of how a neutron star is still quarks and gluons but much more compact.
I recently learned that most of the mass of say a proton is accounted for by the gluons, which are apparently massless bosons. Actually, the explanations are a bit more vague. They seem to mainly be concerned that you don’t go running around saying energy has mass.
And that’s as deep as I’m going on this particular colonoscopy.
Anyway, it seems to me that the most logical assumption is that mass, in whatever form, is being conserved. And from there, it would be very pleasant if a change in the very nature of the matter is NOT required. Of course, based on the normal rules of the universe, our preferences aren’t especially relevant.