Folk that are are using their phones for this are subject to the SIM SWAP exploit with millions lost so far. Google SIM SWAP to learn more. Those that are in some state of denial (fake news?) will not take heed.
So about your app list. The encrypted email relies on those you talk with to have same so it's rarely your choice what you use. Cloud storage here is for items we deliver to our clients and not any file that we can't lose since loss seems to be too common. We've yet to lose a single file but we have backup copies so it's not a concern here.
The biggest privacy tool I use or rather not use is Facebook. Anyone that uses that has given up their privacy.
I am know only one. Telegram have messenger, soon they will launch TON network with GRAM as a cryptocurrency.
Other ones, like facebook, launch libra soon and have messengers, but they far away from private and secure ecosystems.
Maybe you know something that i am looking for. Encrypted email Email, crypto wallet, messenger and cloud storage.
What privacy tools do you in to?