My question is similar to this question (If rest mass does not change with $v$ then why is infinite energy required to accelerate an object to the speed of light?) except that my question 1. is not a metaphysical one, 2. is clear, 3. does not contain wrong, muddled, or dubious assumptions such as "As far as I know only the observable mass (Relativistic mass) increases but not the Proper Mass or Intrinsic Mass, right? The actual mass of the object will remain the same." The two answers to that question are inadequate: This one (https://physics.stackexchange.com/a/139821/295887) concludes thus "No body can travel faster than light, not because we can not state its speed, but because it can't. This is at least what our current state of knowledge leads to, with many experimental confirmations.", which is circular reasoning --"it can't because it cannot, is essence". The other, topvoted answer https://physics.stackexchange.com/a/139827/295887 is more interesting, and quite good, as far as it goes, but it does not really address my question which is why. It is a sort of purported proof, not an explanation, certainly not an explanation that a layman could understand. It's a bunch of formulas whose relevance is not explained.
The standard (though possibly/allegedly technically wrong/ out dated) explanation for why you can't accelerate a body to the speed of light by applying a constant force for a long time is that the mass (or "relativistic mass" or "apparent mass") of the body will increase more and more, the closer it gets to c and therefore the acceleration will be less and less. A case of diminishing returns, one could say.
The logic is that $a = F/m$. As $v$ approaches $c$, $m$ approaches infinity, and $a$ approaches zero. So when I heard repeatedly here on Physics that mass does not increase with speed, I figured that since you still can't reach $c$, there must be some other reason. I figure that you still get the diminishing returns situation, with a constant force producing less and less acceleration, but without invoking mass increase. Is that correct, and if so, what is the reason for the decrease in acceleration as c is approached?