Motor-skill learning systems in XR rely on persistent cues. However, constant cueing can induce overreliance and erode memorization and skill transfer. We introduce a skill-adaptive, dynamically transparent ghost instructor whose opacity adapts in real time to learner performance. In a first-person perspective, users observe a ghost hand executing piano fingering with either a static or a performance-adaptive transparency in a VR piano training application. We conducted a within-subjects study (N=30), where learners practiced with traditional Static (fixed-transparency) and our proposed Dynamic (performance-adaptive) modes and were tested without guidance immediately and after a 10-minute retention interval. Relative to Static, the Dynamic mode yielded higher pitch and fingering accuracy and limited error increases, with comparable timing. These findings suggest that adaptive transparency helps learners internalize fingerings more effectively, reducing dependency on external cues and improving short-term skill retention within immersive learning environments. We discuss design implications for motor-skill learning and outline directions for extending this approach to longer-term retention and more complex tasks.