>> all matter will eventually decay or annihilate and all that's left will be massless radiation such as photons. If this happens then the concept of space and time itself will cease since from within the reference frame of a photon space and time are undefined.

So all matter is pushed out (dark energy) eventually reaching its own event horizon in the dimension we call time, then continues as photons (Hawking radiation). And eventually after all the matter has done so, everything collapses and this universe ends? Sounds like we are in an aging BH to me.