PIP scoring - impact of not meeting STAR / Reliability standard

I'm struggling to understand how not being able to undertake a DL activity reliably (although being able to do it unreliably) impacts scoring. Background; I scored 2 for engaging with OP F2F and 2 for making budgeting decisions - this was after receiving no scores on these at assessment and MR but awarded them after a DM / CW reviewed the original and subsequent decisions before the appeal was heard. So for Engaging the DM decided I need to be prompted by another person to engage and for budgeting I need prompting or assistance from another person to make complex budgetting decisions.

Because of my cognitive difficulties and resulting stress neither prompting nor prompting or assistance would help; for engaging I can do this to a limited degree with well used phrases like thank you, yes, no, I don't know etc but further engagement results in panic, severe stress and is ALWAYS followed by exhaustion. Prompting to engage helps me to find the words that I often can't bring forward but still leaves me with the panic, severe stress and exhaustion and with budgetting I can do this slowly as I have trouble with slow processing speed and often make mistakes because of transposing numbers as I have a visual working memory deficit (sometimes these mistakes are costly and take a lot of effort to put right), no amount of prompting or assistance is going to change this so I'm wondering whether anyone knows if there's some matrix / guidance / legislation / caselaw that helps DM's decide how to score where someone is unable to undertake an activity reliably please?

Any thoughts on this appreciated.