I’ve never used Matrix, and I’m overwhelmed at all the options and feature criteria on the project website.
I’d prefer a native app over electron/similar, but ideally would like something that works on most desktop platforms (windows, mac, linux), although I’m open to it if it is truly superior.
Fluffychat and Schildichat are really nice on mobile, I use Element on the desktop and if you want to use the same app everywhere I recommend simply using Element.