You're pretty much on the money. Reflected XSS requires social engineering to really target anyone without other primitives. Unfortunately this report is not very clear about the tangible impacts or limitations of what they could do with this particular XSS either. Saying that every Mintlify customer was "vulnerable to account takeover with a single malicious link" strikes me as specious to say the least. Still, can't fault kids for getting excited about recognition and a payout.
imo, the impact is pretty clear here. an unsuspecting user clicks (or is redirected) to one of these malicious links on the platform (ex. vercel); the script grabs their cookie and credentials and sends it to the attacker. they now have full access to the victim's account.