Are these things so important that we should give up the easier maintainability (and potentially, security) that comes from centralization and the standardization of user clients? I absolutely think projects like Matrix are worthwhile, but it seems foolish to me to argue that there are no benefits that come from doing things the way Signal does. Besides, as sexy as decentralization is, in the wild it is not really practiced. Mastodon is decentralized, but last I heard ~50% of users were on 3 nodes [0]. I'm assuming it's a similar situation for Matrix.
[0]: https://rosenzweig.io/blog/the-federation-fallacy.html