To be clear I never said custom vibe coded personal software is bad. But clearly that's not the point from OP. Quoting directly:
> you download a skill file that tells a coding agent how to add a feature
This is suggesting a my_feature.md would be a way of sharing and improving software in the future, which I think is mostly a bad thing.
It is a way of sharing and improving software already today. Not a major way, yet, but I don't agree with you it would be a bad thing for that to become more common, in as much as - to go back to my dashboard example - sharing a skill that contains some of the lessons learned, and packages small parts would seem far more flexible and viable as a path for me to help make it easier for others to do the same, than packaging up something in a way that'd give the expectation that it was something finished.
But also, note that skills can carry scripts with them, so they are definitely also more than a my_feature.md.