I don't think embedding general information text in a layer is a great idea, other than locking the info in with the Gerber. I think a README checklist as a Word document or PDF zipped up with the Gerbers and drill files is a better idea overall when you weight up the pros and cons. I have used both formats over the years, and PCB fabricators have never had problems with a README PDF added into the package.... I have always got what I needed with few, if any, questions asked. Of course it makes sense to point out instructions for specific regions of the PCB using embedded text in a Gerber layer.
Reasons:
1. From inheriting other designs, all too often I find text in the layer is not amended when there is a change, so it conflicts with PCB info. Eg: Mask says red in the embedded text, but the user selected green when buying the boards. A common mistake too is versions and dates. Miss changing a review date in the embedded info and then you may have re-spin the whole Gerber package if you have already released it, which will make you look silly.
2. Lack of ease of amending the embedded text. If you want to change the mask from red to green, you have to release a new Gerber package, which is time consuming and often a pain in the arse. Editing a README Word doc is much easier. It can be version controlled with the version controlled zipped file name.
3. Anyone can read a README Word or PDF document. Not everyone has the tools to read a embedded layer on a Gerber. All computer literate people can read a Word and PDF. But not everyone in you company (eg: Purchasing Department) can read embedded information other than what is printed out or exported to a hard-to-read PDF.
4. Sometimes, reading embedded text is painful on the eyes and always slower and more painful to edit compared to using a Word document.
5. The auto generated layer stack-up diagram can be easily exported to the Word document.
6. A Word document is portable and proforma. Not so with embedded text from one design to another, without a few hoops and hurdles.
7. The Gerber layer with the info (often called a drill drawing .gd1) is a separate file anyway, so there is no difference between a separate .doc, .pdf or .gd1
Any opinions on this from you on this, would be welcome!