I've just telling my normie friends who join to disable end to end encryption. If they're on my homeserver it doesn't matter, as we're all communicating internally, and if their account is on m.org... Well... Just mind what you say? No different than chatting on Discord or WhatsApp, IMO.
People get annoyed about the setting up of devices, but that's literally tied to a new type of feature you probably don't need. And e2e shouldn't be by default for most people who can't even remember passwords - I still remember losing all my signal messages because I didn't backup my recovery key and my one phone with it installed decided to, helpfully, clear out my data :)
Tl;DR being unintentionally forced to engage in e2ee is always going to be a bad experience. Our non-technical friends are coming from platforms without it, just forego it for the time being. (yes, I don't care if WhatsApp or whatever claim to have it, if they own your keys it ain't e2ee)