It depends on how fancy you need your text to be.
On their own, the 2 Shotcut text filters might seem limited. But you can add other filters to add drop shadows, outlines, gradient, deformation etc…
Here are 4 simple examples. No external app used:
You are probably not taking advantage of all text options. There is more than just Simple and Rich text plus filters. The Drawing/Animation and Image/Video from HTML generators include text.