Giving this a 2. I still don't see much point to the episode than the last 10 minutes or so and I'm still pretty lost with who some of these random guest characters were and everything!
I don't think it's really that you're lost. I think you are supposed to not fully understand everything because a lot of it will be explained later in the series. Like the stuff with the guest cast. So far everyone is lost with that because we have no idea why they all owe the Doctor a debt.
Anyway, I went with 5. I thought it was brilliant from start to finish, but even if I didn't, I would probably rate it highly anyway, purely for the stuff with Jenny and the Silurian