What is it that stretches credibility? That there were many stages of change that were beneficial or neutral? That does not seem so incredulous to me.
Let’s take the snake for example. The theory as I understand it is that the snake originally had legs, but in order to get through smaller and smaller holes it eventually lost those legs. Good theory.
But what we’re suggesting is that every single intermediate stage of creature in which it still had legs but they were smaller and smaller was beneficial. But by the very theory of evolution it grew legs to that original length precisely because legs of that length were within the parameters of optimization. So these intermediate creatures, of which there would have to be at least hundreds of generations, had less “optimal” leg lengths. Increasingly so, until we reach the (at minimum dozens) of generations where the legs don’t even function but are simply energy consuming organs.
All the while, this creature has to compete with the other creatures that are optimized and don’t possess these “flaws.”
This process would have to be repeated tens of millions of times with countless creatures to take us from protein-strand to human. Tens of millions of “less than optimal” stages competing with their “cousins” who did not have the mutation and were theoretically still optimized.
That’s a mighty hurdle. Now, the Christian can work around this. He could say that God came down and protected the less-optimized intermediate stage creatures by miraculous intervention… But that is not science, and that itself calls into question why God didn’t just create the ‘optimized’ creature out of whole cloth.
It stretches the limits of credibility no matter how I look at it.