I find this site useful to compare messengers. I would trust Wire a tad more because it’s hosted in a country with stronger GDPR regulation, vs Signal being hosted in the US.

For my needs, XMPP with Omemo has been unbeatable for a long time

The level of comfort, or rather lack thereof, you’re fine with dictates how you’ll use your devices. Privacy is mandatory to me, so every app that refuses to work with my setup gets the boot. Banking is done in the browser with a separate PIN device. The moment the device gets discontinued I’ll go back to paper or phone like an old person. FOSS apps are FOSS and will break because they don’t have millions of ad money to fund development. I know that and learned to accept that fixing setups is part of my digital life. That’s just one end of the spectrum though. Everyone needs to find their balance with privacy to avoid getting fed up by it.