You sound desperate so I’ll report my answer so maybe you will see it.
This is what worked for me. I have a Mac Studio with three monitors. After the 15.3 update, only two monitors would show up. I have three different user accounts on my mac. 1) Administrator, 2) my main user account, 3) one for my son.
All three monitors came up in both my administrator user account and son’s user account. It was only my account where just two of the monitors were detected, which told me the problem was probably an errant file somewhere in my user account library.
I traced the file to library/preferences/byhost/apple.windowserver.displays.
I dragged this file to my desktop and restarted the mac. Upon rebooting, all three monitors successfully appeared.
I did have to reset the parameters of each monitor in the Display Preferences Panel eg arrangement, rotation (one of my monitors is vertical), screen size (eg 3840x2160), etc.
Hope this helps.