I write a lot of Purescript and a lot of Clojure. Purescript, being basically a Haskell variant, is about closing down every last little part of the system into types. You _do_ pick up a lot of visual noise for this (like `liftEffect` ugh...). Whereas Clojure, is the polar opposite. It's about keeping the system open, using large chunks of data, and having functions take/change what they need and pass along everything else none-the-wiser to what's present.
Bouncing back and forth between these two worlds, I think I've begun to lean towards the opinion that I really only care about strict types at the boundaries of my program and certain very specific checkpoints along the way (generally, something like a module/namespace boundary).
Clojure has Spec, but it misses the mark in my opinion because it doesn't solve refactoring. It's not (currently) instrumented enough to help the me as a human make changes to the code without also just "bumping into the guard rails" to try and figure out what I broke along the way.
A middle ground orthogonal type system sounds really appealing to me. "Type coverage" is an idea I've been kicking around. Something like Spec in Clojure, but more symbiotic with the host code such that it can tell you things _about_ your code and help in refactoring, symbol resolution, etc..
That's a lot of words, but tl;dr I think I agree with you : )