From a theoretical "photon's" point of view,
Omniscient photons....cool!
Why are you insisting that a photon has to follow YOUR rules of the Universe?
Which rules do you think are up for debate? Most of them have been thoroughly investigated. Some are pretty strange but they have stood the test of repeated experiments by different investigators and methods.
SSDD'S claim that photons experience no time or distance in their relativistic frame is actually only a postulate based on mathematics that has precarious infinity and division by zero dangers. That one could certainly be up for debate. The great Maxwell chose not to give a mechanism as to how reactive (virtual) photons carry the EM force and was content just to show that they did.
I thought Einstein was the one who showed that times stops at the speed of light
Time and distance dilation are proven properties of his Theory of Relativity.
No particle of matter can attain the speed of light because the mass increases proportionally to the speed.
It is proposed that no speed of light entity can travel either faster or slower than c.
That leaves a discontinuity at the speed of light that separates matter from light.
So time does or does not stop at c?
It does not stop. Light travels at a finite speed and takes a finite amount of time to get to where it is going. What it 'feels like' to the photons is up for debate.