One effect of the mechanisms you describe in the article is that at some point, when the reserve is (almost) depleted and rewards will basically be collected fees, it is quite likely that the rewards you get will hardly cover the transaction fees you pay, especially if you do not have a large stake and/or are very active in terms of transactions.
I tried to discuss this a few weeks ago:
The answers pointed out that we have a few decades, until that is completely the case (although ROS is already going down and the 5% you are giving in the article is not really true anymore for most pools). And they surmised that there will probably be a shift to rewards going primarily to pool operators (to cover their costs) and less to delegators (which would make the calculation fees vs. rewards even worse for them).