What this means in practice is that you shouldn't focus on whether XMPP (or Matrix, or whatever) protocols are encrypted, but whether the applications enforce it. Just as there are many web browsers to choose from, there are many messaging apps. Use (and recommend) apps that enforce encryption if that's what you want.
So far, I'm not seeing that same consensus from the XSF and client vendors. If the capital investment can be made to encourage that same culture, the comparison can perhaps be a little closer.
There are even apps like Quicksy which have a more familiar onboarding experience using the mobile phone number as the username, while still being federated with other standard compliant servers. There is little reason to use walled garden apps like Signal these days.
