Earlier quoted context omitted.
These exploits are only really an issue for your grandparents and whoever if some large-scale mass hack is happening[^2]. As long as they stay up-to-date, anyone not targeted by nation state actors and not holding millions in cryptocurrency[0] likely has nothing to worry about, as these exploits are better used hacking journalists trying to expose corruption or political opponents running against the incumbent[1]. 0:…
You're really cavalier about whether widespread hacks happen. See any of the text message attacks from the past decade.
That stuff isn't burned on mass hacks on random phone users, it's way too valuable.
BUT. There is a small sliver of time between the exploit being used on a high value target and Apple patching the hole. That's the spot where Joe Schmoe should be cautious.