It gets even worse when iMessage and multiple devices come into the mix. It all kind of works for 95% of people I’m sure, but it completely falls apart in some cases with absolutely no way to be more explicit.
You can long press on a sent iMessage blue bubble to reveal a 'Send as Text Message' menu item. It's quite hidden but it's there.
Swipe up from bottom screen edge to open Control Center, toggle Cellular Data off, send as SMS, then toggle Cellular Data back on?
Maybe asking siri for help on this is the apple way.
Tap on their name to change the "to" address; here it gives me a list of their Apple ID email and phone number to pick from.
You can enable fall-back for contacts which fail to send via iMessage to instead send via SMS, but I don't think you can send SMS to a phone number registered with iMessage by default without disabling iMessage globally.
It doesn’t support delivery receipts (my old Nokia could do that in 2003!), doesn’t let me send texts to a specific number of a given contact, doesn’t let me pick what number I want to send texts from (for dual SIM), and most frustratingly I can’t send an SMS to any contact it believes to be on iMessage.