Weechat is another popular choice, also offers access on mobile via Glowing Bear https://www.glowing-bear.org/
The fact that most IRC clients integrate the connection to different servers in the interface does not really make it decentralized.
Never encountered a netsplit, I see.
Some networks have bolted-on authentication to prevent people from riding netsplits and commandeering channels, but that's not a part of IRC itself.
People in channel #xyz on efnet doesn't have to be connected to the same server to talk to each other (during normal operation).
Basic, plain, no-frills IRC is also decentralized in that there is not a single user registry (since there is no user registration mechanism at all). Most of the time you're going to add on services (Nickserv and Chanserv at a minimum) and that's going to involve a single point of failure and control for authentication, so there is a potential downside there, but it's still arguably better than it being controlled by a single for-profit company that interprets and enforces laws in different ways.
Whether or not those caveats are in any way relevant to the use case you care about really depends on what that use case is... I would hazard to say that for most people, no matter what the use case, it would be more than sufficient - piracy rings, cyber criminals, and millions of nerds the world over have used IRC to communicate on a daily basis for decades, so there's quite a track record.
Users join a single node (centralized) but that node is part of the wider IRC network (decentralized).