That's inaccurate. When you publish to a journal, the journal will give you a pdf of your paper which you can put up on a personal site. You always have access to distribute your research.
Another point - journals never charge to publish (conferences do).
Your link states you retain the right to do this, but that it may be subject to an embargo period. If it's referring to the allowed embargo period according to US law (which requires all federally funded papers be shared publicly) then it would be 12 months. They further allow you to share preprints which are not their professionally-formatted versions (i.e. you can put your pre-review version on arxiv), as does generally everyone else.
Also Taylor & Francis may have decent journals in some niches but generally aren't a great publisher.
This is false, it is merely a CSE viewpoint. In science, several prestigious journals are difficult to get into, and afterwards, charge you for the paper, per column or per page, being published. Figures and color may cost extra (significantly).
Another point - journals never charge to publish (conferences do).