What about a SimpleX server, a Monero node or Bisq/Haveno instance?
Discussion
SimpleX still is not the most user friendly, IMHO. If the person does not back up their database and they lose their phone, all their stuff is gone. SimpleX uses the person's phone to store the database.
Or if SimpleX has a major crash on the client side, their database could get corrupted.
Also, it is complex to set up ones self-hosted server credentials in the client along with the turn servers.