What about ColdSteel? Does that load FX Shaders ( I know it's Irrlicht, but it's modified, no? ) And what about the license? Generous enough for what I want?
Yes, ColdSteel supports FX shaders. The license may allow your users to create and distribute mods, as long as they do not redistribute the engine itself (they would have to purchase a ColdSteel license for that). This means, imaginae that you write a game in ColdSteel that support modding through .pak files. Your users would be able to create and redistribute new .pak files, but only you, as a licensed user of ColdSteel, are allowed to redistribute the game with the engine itself.So it seems it won't work for what you want.