27k tokens eaten by MCP tools before I even start - is there a better way?

My Claude Code `/doctor` shows 27k tokens consumed by MCP tool definitions before I start: * Playwright: 14k tokens * Filesystem: 9k tokens * Context7, IDE, Supabase: 4k tokens **Questions:** 1. Can MCPs load conditionally in Claude Code? (hot-load mid-session) 2. Why is filesystem MCP 9k tokens for 14 tools - is this normal? 3. Do Skills prevent MCP schema loading or just gate usage? **The current solution I am leaning towards:** Config swapping (minimal/dev/testing modes) - will solve the bloat problem but will require manual interventions to swap the .mcp config when I need the larger tool set. **Ideally i'd like:** Some sort of Auto-detect task type or on-demand MCP loading via Skills. Anyone solved this more elegantly? Share configs/hooks/plugins?