The question is how to put effects that is not in buff/effect tabs like Holy Light, make an ability with a radius around the hero cast in targeted radius, and use buffing effects like stone skin, which also are not in buff/effect tab, as a common buffs.
And a new question, how to make a skill that use gold for cast and permanently gives non-hero unit stats like HP and dmg? I have a few ideas, but im sure u know much easier way
Most things are hardcoded to the ability itself so you don't really have much room for customizing abilities in the object editor outside of what the ability is designed to do. Each Buff/Effect has been coded by the Blizzard devs to do a specific thing for a specific ability. What you're allowed to change is very limited and varies from ability to ability.
An Effect is basically just a visual thing. Don't confuse the
effects of an ability with the Effect type, those are two different things.
A Buff is a visual thing as well but also carries the data from the ability so it can be referenced over time. It also allows for things like dispel which will end the
effects of the ability early by removing the Buff.
There is no such thing as a Holy Light Buff/Effect. The
effects of the Holy Light ability are: Heals an allied unit or Damages an Undead unit. You cannot access this
effect outside of the Holy Light ability BUT you can trigger these
effects yourself and customize them to your liking there. Also, there is no way to change an abilities Targeting Type. If for example you wanted Thunderclap to be a Point ability you'd need to trigger it. The ability Channel is an exception but that's because it acts like a template for custom triggered spells and doesn't actually have any
effects.
So long story short: You need to use triggers if you want to customize an ability beyond the normal means.
Regarding your Gold ability, if it's an Instant cast ability you can use the Charge Gold/Lumber ability as it's template and trigger the effects yourself.
Otherwise, you'll have to trigger a normal ability to be interrupted if the Unit tries to cast it with insufficient Gold. The "begins Casting" Event helps here.
Giving permanent stat boosts to a Unit can be done by adding Item abilities to it or with the Unit modifying Actions like Set Unit Max HP:
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Unit - Add Item Attack Bonus +5 to (Triggering unit)
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Unit - Add Item Life Bonus to (Triggering unit)