The black hole death problem

I tried to look up the Unruh effect. It's...uh...a little over my head. The best understanding I could get out of it was that particles are simply energetic excitations of quantum fields, and the lowest-energy state of a quantum field depends on time. Since time is relative to motion, and an accelerating object may have no transformation for its reference frame into that of an inertial object's, the two could end up seeing totally different energy states for the quantum fields--one in which there's enough energy to observe a particle, and one in which there isn't.

I have no clue how much of that is correct and how much is nonsense, but at least I tried to understand XD