At least in my country (the UK), people generally do not learn abstract algebra in high school. That's a university-level topic.
I think there is a definite "step up" in complexity between the structures of abstract algebra such as monoids, rings, groups and vector spaces, and monads. All of those algebraic structures are basically just sets equipped with operations satisfying some equations. Monads are endofunctors equipped with natural transformations satisfying some equations. "Endofunctor" and "natural transformation" are considerably more advanced and abstract concepts than "set" and "operation", and they are concepts that belong to category theory (so I don't see how you can read and understand the definition of a monad without that basic level of category theory).
Your time estimates also seem wildly optimistic. A common rule of thumb is that reading a maths textbook at your level takes around an hour per page. I think the definition of a monad can be compared to one page of a textbook. So I'd say it'll take on the order of hours to read and understand the definition of a monad, and that's assuming you're already entirely comfortable with the pre-requisite concepts (natural transformations, etc.)
I think there is a definite "step up" in complexity between the structures of abstract algebra such as monoids, rings, groups and vector spaces, and monads. All of those algebraic structures are basically just sets equipped with operations satisfying some equations. Monads are endofunctors equipped with natural transformations satisfying some equations. "Endofunctor" and "natural transformation" are considerably more advanced and abstract concepts than "set" and "operation", and they are concepts that belong to category theory (so I don't see how you can read and understand the definition of a monad without that basic level of category theory).
Your time estimates also seem wildly optimistic. A common rule of thumb is that reading a maths textbook at your level takes around an hour per page. I think the definition of a monad can be compared to one page of a textbook. So I'd say it'll take on the order of hours to read and understand the definition of a monad, and that's assuming you're already entirely comfortable with the pre-requisite concepts (natural transformations, etc.)