Conciseness

Most of the body is dense, non-obvious Stripe policy (compatibility tuples, fee-economics rules) that earns its tokens, but there is real padding: the 4-line progress checklist is reproduced in full five times, the public-preview disclosure instructions are stated three times (Step 3 guardrail and both Step 4a bullets), and the Step 3 SaaS guardrail is a single ~200-word run-on paragraph. This fits 'mostly efficient but could be tightened'; a 2 would require several sections of explanation Claude already knows, which is not the case.

Actionability

The guidance is copy-paste ready throughout: exact user-facing question scripts and option sets ('Does this recommendation look right?' with three defined responses), exact warning copy with links, concrete grep patterns for the codebase scan ('transfers.create', 'account.updated', 'transfer_data'), and specific API field names (dashboard, fees_collector, losses_collector, application_fee_amount) with defined behavior for each option. As an instruction-only skill, the absence of code is not penalized and the specificity fully covers common cases.

Workflow Clarity

Steps 0-6 are explicitly numbered and sequenced, each step ends with a checklist update, and there are genuine validation checkpoints with feedback loops: a mandatory compatibility validation before presenting any recommendation, BLOCKED configs trigger 're-run the recommendation with the corrected configuration', a fee-structure checkpoint gates Step 4, and 'Change something' loops back to re-ask the relevant question. This matches the top anchor including error-recovery loops.

Progressive Disclosure

All 8 referenced files (terminology-rules, company-researcher, decision-matrix, discovery-questions, account-types, charge-patterns, compatibility-matrix, recommendation-template) exist in references/, are one level deep, and are clearly signaled at the point of need ('Read <references/decision-matrix.md> and apply it'), with bulk content correctly split out (38KB decision matrix, 20KB discovery questions). Not a 5: SKILL.md itself runs ~360 lines and inlines compatibility and guardrail detail that overlaps the reference files, and there is no upfront index of the reference bundle.

Specificity

The description names the domain richly ('Stripe Connect configuration, charge patterns, Dashboard access', 'connected account Dashboard or responsibility configurations') but contains no concrete capability actions — it never says what the skill does. This matches the anchor 'Names the domain but actions are minimal or generic'; a 3 would require at least 1-2 explicit actions, which are absent.

Completeness

Only the 'when' is present — the description is a single trigger enumeration with no statement of what the skill does (e.g., 'recommends a Stripe Connect integration configuration'). This matches the anchor 'only when is present without what'; scoring only what is explicit, the capability must be inferred, so it cannot reach 3.

Trigger Term Quality

Comprehensive natural-language triggers with synonyms: 'marketplace, platform, multi-vendor store, gig platform', 'pay out sellers, vendors, or providers', 'split payments, revenue sharing, multi-party payments', 'onboarding or KYC', 'white-label payments, or embedded payments'. These are exactly the phrases a user needing this skill would say, with no obvious variation missing.

Distinctiveness Conflict Risk

Clear niche (Stripe Connect configuration recommendation for payment-routing businesses) with distinct, specific triggers like 'split payments', 'connected account Dashboard', and 'white-label payments'. Minimal overlap risk with other skills; a neighboring anchor would require generic language that is not present.