Definition of "packet"

[Henrick Hellström <henrick%streamsec.se@localhost>]

This ought to be a simple question, but it seems it is not spelled out 
anywhere in specification:

Exactly what is to be included in the calculation of the length of a 
"packet", when checking if it exceeds the Maximum Packet Size parameter 
sent during SSH Connection establishment?

a) Just the raw packet load
b) Packet load + SSH specific formatting (e.g. 4 for the length 
specifier of a "string")
c) Packet load + formatting + channel packet header (e.g. 5 for byte 
SSH_MSG_CHANNEL_DATA; uint32 recipient channel)
d) Packet load + formatting + channel packet header + transport packet 
formatting (as per SSH Transport Layer Protocol draft paragraph 6)
e) Packet load + formatting + channel packet header + transport packet 
formatting + TCP/IP headers
...etc