On top of everything you've described, one more advantage is that you can use the agents themselves to edit / improve / add to the skills. One easy one to do is something like "take the key points from this session and add the learnings as a skill". It works both on good sessions with new paths/functionality and on "bad" sessions where you had to hand-hold the agent. And they're pretty good at summarising and extracting tidbits. And you can always skim the files and do quick edits.

Compared to MCPs, this is a much faster and more approachable flow to add "capabilities" to your agents.