rb,
IJMO’s original post (which is the one I commented on) referred only to “yasherko(i)ach” as “fake frum”. “Fake frum” in my book, is, as you said, unnecessary chumras, especially at the expense of others. I would call a girl who asks, “so, do you shtelzuch on the rishoinim?” “fake yeshivish”. “Yasherko(i)ach, or “shkoiach” has become pretty accepted by some (although I still find it a bit amusing coming from a female). I wouldn’t hold “shkoiach” against her.