Plausibly we can construct examples from the power series expansion of formal group laws. We can try to write down such examples by writing down nice functions $q(x)$ and hoping that the formal group law
$$q^{-1} (q(x) + q(y)) = \sum s_{i, j} x^i y^j$$
has positive integer coefficients so it can be upgraded to an "analytic bifunctor"
$$\text{Set} \times \text{Set} \ni (A, B) \mapsto \bigsqcup_{i, j} S_{i, j} \times A^i \times B^j \in \text{Set}$$
which is a candidate to be a monoidal structure. For example,
- the disjoint union corresponds to choosing $q(x) = x$,
- the cartesian product corresponds to choosing $q(x) = \log x$,
- the third example corresponds to choosing $q(x) = \log (sx + 1)$.
The fourth example should also arise in this way with $q(x)$ related to the arctangent; the relevant formal group law is $\frac{x + y + 2s xy}{1 - s^2 xy}$ which resembles the tangent addition formula $\frac{x + y}{1 - xy}$. Speaking of which, this should give another family of examples (with $q(x) = \arctan sx$), namely
$$A \otimes B = (S^2 \times A \times B)^{\ast} \times (A + B).$$
Edit: Apparently we are already pretty close to exhausting all of the formal group laws that can be expressed as rational functions! See this blog postthis blog post. It seems plausible, but I haven't checked, that
$$A \otimes B = (S^2 \times A \times B)^{\ast} \times (A + B + T \times A \times B)$$
works.
Edit #2: Hmm. I can only find an associator in the case already mentioned in the problem, where $T = S + S$. In this case, as mentioned in the link, $A \otimes B$ can be interpreted as the set of all words which start with an element of $A$ or $B$ and then alternate between $A$ and $B$, with the alternations delimited by elements of $S$, and ending with an element of $A$ or $B$. Then $(A \otimes B) \otimes C$ and $A \otimes (B \otimes C)$ both describe the corresponding construction where we don't repeat among the choices $A, B, C$ consecutively.