If only it was that simple. Simply skimming the head is absolutely not a guaranteed fix and often does not address the primary reason for failure, but that is all most garages will do. Head gasket problems on the K series can be caused by liner heights being incorrect, uneven or the liners not being square in the block, any of these will cause head gasket failures which are really not gasket issues. Oil in the water is also unusual on the K series, usually the gasket fails at the fire ring/coolant interface which causes coolant pressurisation issues and shortly thereafter overheating through loss of coolant. You should not drive it unless you intend to replace the engine, repeated overheating will change the metallic structure of the head surface which will make is softer, and will cause a repeat failure. The head should be hardness tested and peen shot prior to being skimmed to minimise any porosity issues also, again most people don't do this . . . lastly the steel dowels should always be used, but this is a secondary issue in most failures . . .
The K is a great engine and can be made very robust, but most people don't know how to do that . . . the data above comes from smart engineers building high power, reliable, competition engines based on the K . . . not your average garage, many of which don't have any engineers or real skills these days, sadly . . .