All of the above, yes, but one other thing that's missing is how broken voice calling is these days. Because 99% of voice calls are scams, a lot of us have started using the features on our smart phones that silence unknown callers or automatically flag calls as spam. I don't answer calls unless they're from expected people - technically, my phone is set to route it directly to voicemail. Now, I do listen to those voicemails, but not instantly, usually, unless I'm expecting someone to call, and sometimes if I'm expecting someone whose number I don't know I'll remove that feature so that I do have the chance to answer. But also, for people who might be calling me whose numbers I don't know, if I can contact them beforehand, I will ask them to let me know what number they'll be calling from so I can avoid that dance.

I've also never even added a personal greeting to my iPhone, and I've had this carrier for almost a decade - I've never gotten guff about it from family, friends, or professional contacts.

So, tl/dr: as a caller, recognize that voice calling is very broken, but also as a recipient, if you're averse to voice calls try to make sure that a potential caller has a better way to contact you.