Begins with "bc1p" - wallets like BlueWallet, Electrum and Sparrow wallet use taproot etc...
This is actually the most updated version of SEGWIT addresses. Infact it's actually the most recent and they fixed some really technical stuff but it's efficiency is almost equal to that of
bc1q prefixed addresses.
You are absolutely right Mia Chloe. However, there is always room for more improvement in the future, especially if there is more adoption of the MuSig2.
Also, it is very important to remember that taproot transactions are less supported across wallets and explore. Which can raise concern or even rejection if you are using a more advanced setups like custom scripts or PSBT. So yeah, it is the latest upgrade but it cannot be all efficient to everyone because most individuals use Bitcoin differently, some prefer custom setups.