Signal was proven to be encrypted in transit and rest. The Signal stuff is just FUD. If one uses it, it'd be better if they used it for family and friends.
Discussion
Centralized servers.
Still encrypted regardless, especially with post-quantum encryption.
Sure, centralization stinks, but that's good for normies who need the encryption while sacrificing decentralization in the process.
If it's centralized, Governments will target them. I'm not sure it can survive long term.
Did you look into evidence of the government demanding Signal's data in California?
They had garbled gibberish due to the encryption there. I'd say it's good, but I'd be careful about it as well.