None of that is required to compromise SMS. A SIM swap is much easier to accomplish because the cellular carriers have historically had woefully insecure policies and their support agents could easily be socially engineered into moving your phone number to an attacker-owned SIM card.
In Europe I have never heard any stories about SIM swaps, so I do not believe that they have high chances of success, like it is said to happen in USA.
Therefore, at least here I find SMS as a 2FA more convenient than the alternatives and I believe that it is secure enough for most uses.
