The density clumpiness of dark matter is certainly higher now than it was much longer ago. There are ways to use techniques from effective field theory to do calculations with black holes, but not in the realm of effective field theory. Robert Ruxendrescu says, suppose the Higgs field would turn off, go to zero value? All the quarks that comprise protons and neutrons would then have zero mass. Considering that zero mass particles travel at the speed of light, would all the protons and Neutrons explode? So the short answer is no - there's a calculation you have to do.