> combining and untangling multiple monads

What? I have to assume you mean combining and untangling multiple effects in an effect system. And the solution is simple: don't. IO is the only monad you use for all IO: logging, networking, databases, and filesystems included. Adding a layer of ReaderT on top is about the most complicated you do. Every other monad is pure. Effect systems are a great way to build abstractions that aren't usually worthwhile. It is the same kind of mentality that leads to AbstractWumbleProviderFactoryBean-oriented programming in Java.