This is correct. To delve into a topic about cognitive load without talking about germane overhead disqualifies this article (i.e. similar to extraneous overhead in terms of effort but germane overhead is beneficial. Because it helps the coder's reading ability.)

The examples are good but every reader must not have the takeaway that every effortful code is bad (e.g. haskell is extremely hard to read at first but every developer swears it has very high intrinsic cognitive load)