An Agent Skill is a directory holding a SKILL.md file: YAML frontmatter at the top and a Markdown body below. The frontmatter's name and description are loaded into the system prompt at startup for every skill you install, at roughly 100 tokens each, while the body is read from the filesystem only when the skill is triggered, and bundled reference files and scripts are read only when the agent reaches for them (Claude platform docs). That tiered loading is called progressive disclosure, and it is the reason a large skill collection does not automatically blow your context budget.
The cost model is more subtle than "only the description is loaded". Three numbers matter, and each has a different owner:
| Tier | What loads | When | Typical cost | Who controls it |
|---|---|---|---|---|
| Metadata (name, description) | Frontmatter only | Every run, at startup | About 100 tokens per skill | The description line you write |
| Instructions | SKILL.md body | When the skill triggers | Recommended under 5,000 tokens | The steps you keep in the file |
| Resources and scripts | Reference files, templates | On demand during execution | Nothing until read; script output only | How much you bundle and how you reference it |
Microsoft's implementation of the same open standard describes the same four stages (advertise, load, read resources, run scripts) and gives the same guidance: keep SKILL.md under 500 lines and move detailed reference material to separate files (Microsoft Learn). So the size problem is not mostly about the metadata. It is about the body, and about whether you wrote a body at all or smuggled a manual into it.
The attention argument explains why the loaded body matters even when it fits. Context is a finite resource with diminishing marginal returns: as token count rises, the model's ability to recall information accurately falls, a pattern sometimes called context rot (Anthropic's context engineering post). Anthropic frames this as an attention budget that every new token depletes. A 4,000-token skill that repeats what the model already knows is not free just because it fits.



