That's basically the only time it doesn't work (it's a carrier issue at that point) or if you happen to live somewhere in the world without the carrier enabling it (the U.S. carriers have it enabled, Canada as well, most/all European ones should too). If you live on a cruise ship, you're out of luck.
Are you from the U.S.? Try it when not on a cruise ship. I do SMS over WiFi (unless iOS is lying and my phone really isn't in Airplane Mode) almost every day of my life and have for 2-3 years. I don't use Facebook Messenger or any other messaging app other than iMessage. Most of the people I text with have iPhones but there are dozens that I text regularly that have Android phones. It works. I've also done it in Canada. I've also sent MMS over WiFi (in Airplane Mode from an iPhone to an Android phone).
Here it is in Australia:
https://www.telstra.com.au/exchange/switching-on-sms-over-wi-fi-on-our-mobile-network
Before I started switching on Airplane Mode, sending and receiving SMS at home (poor cell coverage) was a pain. I'd have to find the couple spots in my house where there was almost enough signal for it to work (or walk outside for a while to find better signal). Once I switched to Airplane Mode, all those issues (and the fast battery drain due to no cell coverage!) went away. It just works.