Interesting, I dealt with T-Mobile customer support, and consequently found a large thread about the same issue. The problem is squarely with Apple, in fact the problem is especially problematic with iPhone 14's. T-Mobile suggests waiting until Apple fixes the problem or using a different messenger service. "Which I do anyway". iPhone 14 can't will sometimes send photos (10% of the time) on low res settings. But will only send regular photos 5% of the time to Android phones.
The facts are clear, so sorry I am correct. If multiple carriers can't fix it, it is Apple's problem.
Luckily my apple watch works fine with the signal app.