I also run XMPP server for friends and family and actually all of them are very happy with it. With Conversations this entire experience looks like any other modern messenger.
Network effects are of course a problem in any decentralized environments but looking at how quickly companies drop their solutions (Google?) or abuse the data you give them (Facebook?) I don't see any other reasonable option. Today Signal is nice and kind, tomorrow they are bought by Facebook and start "fiddling" with the app...