I'm starting learning Lisp with Java background. In SICP's exercise there is many tasks where students should create abstract functions with many parameters, like

 (define (filtered-accumulate combiner null-value term a next b filter)...)

in exercise 3.11. In Java (language with safe, static typing discipline) - method with more than 4 arguments usually smells, but in Lisp/Scheme it doesnt, does it? I'm wandering how many arguments do you use in you functions? If you use it in production, do you make such many layers?