Yes, that was why I said you got two of the three guesses wrong and not all three. You are in fact correct that I let necromancers get away with more socially than you do. They're viewed as dangerous, arrogant types whose murder machines could easily get somebody killed (basically a "mad scientist" vibe), kind of like someone who purposefully breeds barely-controlled land sharks. (Hence the necromancer not keeping more than a token force of skeletons on hand during peacetime.) But they're not viewed as defilers of the dead, although zombies horrify people and smell bad. In that respect my world is indeed looser than yours.
No, I don't think that raising skeletons is as simple as casting Magic Missile. Not only do you have to have bones on hand, you need weapons and armor for them too. It's easy if you've prepared ahead of time, but you can cast Fireball while standing naked on the shore of a lake that you just swam across, with nothing but your arcane focus medallion; you can't raise a skeletal army quite that quickly. As I said in my previous post, as a player my big thing is versatility and foresight--many things are easy only because I've taken steps to make them easy. An example of that would never letting all my skeletons get too close to each other; a standard formation is squads of five or ten with a 50' separation between squads, even if that means that some squads are straggling behind out of sight in a dungeon environment. It's more important to me not to put all my eggs in one basket.
Edit: final point is that if the strategy isn't feasible the way you play, obviously you shouldn't do it! If I were at your table and it was clear that skeletons would be an unacceptable hassle given social constraints, I wouldn't use them, of course. (Well, I might be tempted to cast Seeming on them all and try it anyway... but I probably just wouldn't bother.) (A)D&D is all about accepting the logic of the game as it stands and playing within those constraints.
Thanks for clarification. I imagine if we were running an evil campaign I would be more tolerant. In general, I try to run heroic campaigns because I prefer heroic stories. Necromancers don't fit in particularly well in those stories. A squad of skeletons overshadowing players I would not be happy with unless it were some desperation move that fit the story like the need for troops regardless of how they are procured.