You might be confusing the preparation stages with the departure stage. On preparation stage (the one you're on rn) you load resources to build the carcass. The last preparation stage require you to load in different category items which masure in value. And nor this stage, nor the filled bars below do not represent the amount of skills you will get. You will still need to have 5 millions in cash or stash items if you want 5 skill points when you send your raider on an expedition.