JB's explanation will see you through almost all situations. Use effect as a noun, and affect as a verb. "An effect", and "to affect".
I feel like which ever you say the other person will know exactly what you so it really doesn’t matter as it won’t have an affect or the meaning of the sentence
Tyler morton should have played this full game. He's playing tonight in the stiffs v arsenal u21. Scored as well. Utter wasted and devalued asset. He will be loaned come January or be in demanding his move imo
I disagree generally with your views on language. Language is functional in that it allows us to communicate our thoughts, and the more imprecise or ambiguous we are the more likely we are to create misunderstandings - which can range from mildly inconvenient to totally disastrous. Also language is an art-form - I don't know how much you read, but a well-written piece is as enjoyable to me as a great piece of music or an elegantly executed move in football. I fully understand that not everyone is capable of, or perhaps just not really interested in, good writing - but to try and wave it away as being irrelevant or somehow stuffy and pretentious is unfair.
Tbf it was more said in jest so I could use the wrong form of affect in a sentence Although we are on different sides of page on language etc. generally as long as it makes sense then pretty blasé about things. But I’d much prefer someone writing properly to using things like u and 2 etc