AAQ, I’m confused. The Shulchan Aruch was addressed. If someone wants to learn and the only possible way is to accept money from others, it is okay and proper, as the Biur Halacha explicitly says on that Shulchan Aruch. This fits with the Kesef Mishnah’s commentary on the Rambam.
I’m not sure what a Sefaria translation of the Shulchan Aruch already discussed adds to the conversation.
Nowadays, it is very rare for someone to be able to learn without taking a stipend of some sort. Therefore, as Rav Moshe writes, if someone says they will be stringent like the Rambam and will therefore not be able to learn as much or as well, they are following the advice of the yetzer hora.
Reb Eliezer, I believe this answers your question as well.