Yeah there’s a Lot and it’s hard to find specific plots. (I also stopped reading Luminosity partway through, whoops)
https://glowfic.com/tags/2418 has three short and in progress threads that’re all self or OC inserts into Harry Potter, if you want to start with something short? Two of the protagonists are genderqueer/nonbinary with kissing very unlikely (”what they grow to be,” which is mine and Anya’s where my SI replaces Hermione, is currently in the sort of prologue section, and “the next great adventure” where another SI gets teleported into a Gringotts vault), one is female but not super transhumanist
https://glowfic.com/posts/162 has magical girl meets magical elf (a Bell, same protagonist-template as luminosity, and a Luthien) and save the world (is Puella Magi Madoka Magica, but I read it before PMMM and didn’t have trouble).
https://glowfic.com/board_sections/20 has a Bell (as a girl Loki) and various Tolkien characters, the Bell has some elsewhere context but I read it without, is probably at least moderately confusing if you aren’t familiar with the Silmarillion but a lot gets explained. Has a depressing middle and a good ending. Loki is bi, though fraysexual towards women so isn’t a “committed f/f relationship” work
https://glowfic.com/boards/35 I have only read ‘Sunburst’ which is Worm fanfic. These are more explicit (Sunburst has smut) than the others but often include a Sadde, who is genderfluid and very transhumanist. Tbh I’d recommend a lot of Sadde threads, list is at the bottom of here
https://glowfic.com/board_sections/185 has Gay in the world of the Enchanted Forest series, though does include a main romance plot and consensual incest. Is not explicit iirc
https://glowfic.com/templates/71 is Skye, who is Great and fits a lot of your list
https://glowfic.com/boards/58 is PMMM-and-eventually-more threads, doesn’t require knowledge of PMMM. There is romance but it’s not strongly the focus. Characters aren’t all fully at “hey transhumanism for everyone” yet b/c teens with a more in-their-face problem but they’re getting there
https://glowfic.com/posts/2437 is for if you like stories with child protagonists. Currently there’s one (who is aspec + intellectual type) arguing with the gods about how humans are Really poorly thought out and she’s going to become a goddess so she can make a less That species
https://glowfic.com/posts/2299 has massive spoilers for Fallen London, but main characters are queer, female, and transhumanist or getting there
I know there’s more because I remember reading them, am just having “wait what was the name” syndrome but there is definitely a Lot to slog through if you’re interested in the backlog
I can try to explain the web layout some? But yeah it’s a learning curve in some ways
Also in non-glowfic, idk if characters can be defined as transhumanist, but All Night Laundry is a Good (is technically horror genre tho). There’s a lot of “but what is a monster” questioning