Is this modular chain stuff just a bunch of tinkering, really useful for us regular users?

Honestly, in theory, it's supposed to help you be less affected by "a chain getting congested"—fees, confirmations, scalability—by allowing more flexible solutions. But in practice, it might just mean "a bit faster / a bit cheaper." What really concerns me are the side effects: the more chains and layers there are, the more dispersed problems become. A few days ago, a cross-chain bridge was hacked again, and everyone was criticizing it while still pouring money into it... Then, when the oracle glitches, the whole market suddenly shifts into a "waiting for confirmation" consensus, and no one dares to act first.
Modularization sounds very advanced, but in the end, for users, it might just mean: more confirmation steps, more doubts about where your assets are actually stored.
Anyway, I’m just someone buying a ticket for the experience—let’s see how they spin the story first.