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What app you americans use for personal conversations?
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Like others have commented, unlimited texting has been available in most phone plans for the better part of a decade now; I'd struggle to name a place that offers plans without it.
As for the accented characters, that's something I personally don't encounter much as a native English speaker. I obviously can't speak for those who do need those keyboards, but for me it's not a problem.
With regards to encryption/privacy, I can't say that's a concern I've personally had regarding my texts. Could the government read my messages? Probably, but all they're getting is cute cat pics and random chatter about games and food and whatnot. Again, that's another aspect that's probably more of a concern for people in more sensitive situations, but I can't speak for them.
USmobile still offers non-unlimited plans. I thought ting did as well, but I guess that changed at some point. But I think I've only heard of one person using USMobile.