I agree with it too, but I can understand why it doesn't seem like I would based on what I've said so far. I want to try to explain my thoughts differently, but I'm tired and sleepy at the moment, so I'll revisit this topic when I'm more awake and more likely to be articulate.
Agreed. Although this is another one of those cases where it's not two mutually exclusive competing theories as to what was intended, but rather a case where one theory is much broader than the other.
Many of the readings of the 5e rules in this thread seem to me to be very narrow and prescriptive, both for the general rules on checks, and for the specific rules on climbing/swimming complications. Sure, the rules can plausibly be read as narrow and prescriptive, but what is the
purpose of favoring a narrow reading when a broader one is available? What makes one think that the designers were trying to support only a single approach to ability checks, when the rules can instead be read to support multiple approaches?