Nr_RaVen,
Yes, everyone has a different take on the way things should be but you are still free to submit the skin to HTC. If you post a screen shot and, for example, the entire community doesn't like the rivet size, you can either say they are right and make changes, or the rivet size is your artistic style and go ahead and submit the skin. But if the entire community doesn't like the rivet size, is HTC going to? I think HTC can make their own decisions, but answering those types of questions is your responsibility as the skinner.
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Not in favor of creating a team to say when a skin is ready for submission – takes too much power away from the skinner. The skinner can decide after getting some feedback whether the skin is ready for submission. Plus, I have a certain level of confidence in HTC professionalism that I don't have with the community as a whole. It would be hard – if not impossible – to get a consensus on who should be on the team. Better to just leave it up to the entire community and HTC.
I think what Skuzzy is getting at is the back-and-forth that goes on with a skin. One person doesn't like the green of the anti-glare panel. Someone else thinks the red noseband should go all the way around. A skinner submits their skin only to notice something wrong (that would have been caught in a review) and immediately submits an update that Skuzzy would have to weed out. All this back-and-forth would take a lot of work if done by emails between HTC and the skinner. If the skin goes through a peer review first, only one skin gets submitted and should be ready for a "yes" or "no" vote from HTC. HTC would not have to email the skinner and say they don't like the green on the anti-glare panel or the red noseband might need to go all the way around. HTC would only need to email their answer.
A skinner could still bypass the peer review and submit their skin – there really is no way to stop them. HTC could either review the skin themselves or, they could just set the policy that they will not look at a skin that does not have a link in the info.txt file.
Making a skin takes a lot of effort and the skin becomes your "baby." It is hard to hear criticism about your "baby" but that is something you have to go through if you want to be a skinner. And the feedback you get my just make your skin that much better. So post the skin when you think it is ready to be presented to the world.