提出用户中心的解释评估模型，让AI解释更符合真实用户需求。

Counterfactual Explanations (CFEs) have grown in popularity as a means of offering actionable guidance by identifying the minimum changes in feature values required to flip an ML model's prediction to something more desirable. Unfortunately, most prior research on CFEs relies on artificial evaluation metrics, such as proximity, which may overlook end-user preferences and constraints, e.g., the user's perception of effort needed to make certain feature changes may differ from that of the model designer. To address this research gap, this paper makes three novel contributions. First, we conduct a pilot study with 20 crowd-workers on Amazon MTurk to experimentally validate the alignment of existing CF evaluation metrics with real-world user preferences. Results show that user-preferred CFEs matched those based on proximity in only 63.81% of cases, highlighting the limited applicability of these metrics in real-world settings. Second, inspired by the need to design a user-informed evaluation metric for CFEs, we conduct a more detailed two-day user study with 41 participants facing realistic credit application scenarios to find experimental support for or against three intuitive hypotheses that may explain how end users evaluate CFEs. Third, based on the findings of this second study, we propose the AWP model, a novel user-centric, two-stage model that describes one possible mechanism by which users evaluate and select CFEs. Our results show that AWP predicts user-preferred CFEs with 84.37% accuracy. Our study provides the first human-centered validation for personalized cost models in CFE generation and highlights the need for adaptive, user-centered evaluation metrics.