The stow approach is something that I considered but ultimately rejected for a couple of reasons around handling conflicts of game-installed files as well as how to ultimately handle the symlink lifecycle (eg wrapper to make the "non-running" state always clean or to let it always persist and then need to run manual cleanup/update steps). But if you're interested in that approach when I was applying for Nexus Mods approval I discovered https://github.com/Marc1326/Anvil-Organizer in the overall list of mod tools which I believe uses that strategy (though I haven't really looked too closely)
But basically my original idea to just install the files directly into the game directory stems from the fact that when I switched to linux for gaming and not having success with MO2 that's literally what I was doing. I would download the mod from nexus and unzip/tar it into the game directory manually. When I wanted to uninstall or update I'd find the original archive list the files in it and then delete them from my game directory. After doing this too much I realized that I was basically missing the functionality of a standard linux package manager (eg apt, pacman, etc)
So if you need to persist changes into the lower layers, I think you may need to do tricks like taking snapshots and then swapping the bind mount (maybe with some diffing logic) or some other offline methods.
I should add that it's a CLI tool only (I may add a TUI later but it probably won't ever have a GUI if that matters). Anyway if you check it out and have any feedback whether positive or negative that would be cool
I don't want to discourage you, but what's wrong with helping MO2 and Vortex get ported to Linux?
How did you install it? Maybe with a different method it would work for me better (even though now I'll probably just stick with my own tool I'm still curious)
https://github.com/Furglitch/modorganizer2-linux-installer
Download, run install.sh, follow the instructions given. It replaces the game effectively in Steam, which does mean you have to launch MO2 anytime you want to play the game, but I found that at worst, slightly annoying.