If you start feeling the taste of monad transformers then you can be sure that you already understand everything! I intentionally avoid using words like “effects”, “handlers”, “lifting”, etc. Everything is a functor and natural transformation - keeping it easy.
Some feedback: I’m interested in reading about your ideas, but I find these articles hard to get into. It would be helpful to me if they started with an introduction containing motivation and context.
When opening an article, my first question is “is this topic interesting to me?”. If I don’t know what the topic is, even after reading multiple paragraphs, then it’s hard for me to justify spending more time reading.