At least it was a skin-snatcher and not a skin-walker!
Ending 1: Free skin, no hospital bills
Ending 2: I don't think your insurance covers this (The real horror)
Ending 3: Damn bitch, you live like this?
How to survive an encounter without losing anything: have bad self-care, have a disease
I found the beginning where the protag retold the events to be a nice change of pace from how stories usually are winging it in the present. That you are effectively Schrodinger's hairy/less cat depending on what you said your actions were also allows a variety of conclusions (than just dying and it ending there) since you clearly survived if you were telling someone about it (...or did you? DUN DUN DUUUNN!).
Perfect mystifying atmosphere that a killer couldn't cut through (your skin on the other hand...) and morbid humor reminding me of Good Idea! and Good Job! (both also phenomenal games).