At this point I prefer wire over signal.. and matrix over both of them... I vote always for total decentralization,free software(as in libre) signal is not totally decentralized as far as I know.. wire it is/half wa source they still opening the code step by step and Matrix is the only one fully open source but not all channels are encrypted I think you have to enable it..
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I'm not familiar with Matrix. I agree, full decentralization is desirable, but it's also hard to achieve, especially with an acceptable user experience. And as I said, availability tends to end up being the deciding factor in real life. Perhaps that's one of the reasons why Telegram is so popular: their security is a joke that forgot to be funny, but they seem to be quite well funded, and it shows in the stability of their app.