This has been my experience (with downloaded skills), and currently my workflow is almost 100% skill driven.

Every feature I build uses a skill that does the following:

1. Read a ticket and get context on the task. The ticket was probably written by another agent after a conversation with myself about what is happening/needs to happen, etc.

2. Plan the task, asking for clarification where needed

3. Pressure test the plan, and validate the plans logic (subagents)

4. Implement

5. Runtime/local validation

6. Post PR, review it using applicable agents (database, security, code, prose...)

7. Fix PR based on feedback

I generally get excellent results out of this process, and I cannot imagine trying to orchestrate this without a skill. But I also can imagine my workflow isn't tuned to be super usable for anyone else.