I'm eating clotted cream-covered scones.
or
I'm eating clotted-cream-covered scones.
or
I'm eating clotted cream covered scones.
Formally, I thought they'd have to be clotted-cream scones, but Grammarly insists they're merely clotted cream scones.
I thought a compound adjective should be hyphenated when it appears before the noun it modifies, but it looks like I'm wrong.
Can anyone tell me what the rule is here, please?