[quote]Can someone please explain SBMM and its tiers/effects?[/quote]
Answer: SBMM tries to match you with other players near to your skill level.
The bell curve of player skill shows that most players will benefit from SBMM. Bungie also knows that without SBMM, new players would be stomped on, and then leave the game - permanently. Myself, I'm an average k/d player who would be among those who would not play PvP without SBMM. I'm way too old to improve. There's always enough variability in the skill matching to provide a range of skill levels and opportunity to learn from it in every game. Some days you're the bug, and some days you're the windshield.
There are playlists that don't match on skill - like Trials. So, the anti-SBMM players have a place where they don't have to deal with it. They just don't need every playlist.
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I like that, I'm in the perfect league for myself, I get about 1.3-1.5 most games sadly I hate playing because I don't like the side arm meta, shotgun meta was more fun