Unless you want to run communities there I wont bother with it. I feel everything from setting up accounts (anonymously) to getting people to join, works better in SimpleX and Session. I'd even be happy using SimpleX as my everyday messenger. Matrix is a little clunky and the fact that all conversations get duplicated on the primary Matrix servers is cause for concern.

With Signal and SimpleX, servers are used only for relaying messages beteeen users - messages which are encrypted on the device.

In the end you are going to be sacrificing something, and the last thing you'd want to sacrifice is privacy and security.

If I was pushed to list my go to, it'll be Signal for chats with people I know: because its open source, battle-tested against adversities, and can be set up by anyone who understands how ro use Whastsapp / Telegram.

For communitties (and even as a daily text solution beteeen collaborators or anyone you dont want to exchange numbers with), I'd use SimpleX as it has a lot of in-built anonymity and decent privacy (so far - its a fairly new project).

Theres just too much fuzziness round Matrix for anyone to trust it.

It's a "basic" Diffie-Hellman key exchange that's been a solved issue since before mobile phones were even invented[0].

Think of it like this:

I give you a lock that only I have they key to open it. You can secure (read encrypt) any message with it by placing it in a box and locking it with my lock, send me the box and - because I'm the only person in the world with the key to open it, we can say you're sending me a secured (encrypted) message. It doesn't matter if anyone can intercept this lock because all they'll be able to do is send me secure messages from their inbox. Now, in the digital world this lock we're giving each other is a cryptographic "public key" that you can lock a million things with (messages, images, videos) and send them to me via the internet. We can thus exchange public keys and securely message each other.

I've simplified it a lot, as Signal actually uses something called the "Extended Triple Diffie-Hellman" (X3DH) [1], but I hope this explains how it works. You can read more about it here [2]

[0] https://studybuff.com/when-was-diffie-hellman-key-exchange-invented/#When_was_Diffie-Hellman_key_exchange_invented

[1] https://www.signal.org/docs/specifications/x3dh/

[2] https://security.stackexchange.com/questions/45963/diffie-hellman-key-exchange-in-plain-english