Ranked choice would absolutely still help. The two party state is utterly awful.

Depends which form of ranked choice. The naïvely-designed ones like Supplementary Vote, Contingent Vote, Instant-Runoff Voting, Top Four, Final Five, etc. don't fix the two-party system at all, since they only count first-choice rankings in each round, just like our current system. Unfortunately those are the only ones being advocated in the US. We need Condorcet-compliant systems if we actually want to fix the spoiler effect and end the two-party system. Total Vote Runoff/Baldwin, Ranked Robin, Schulze, etc.

As an aside, ranked voting isn’t what I’d consider ideal for the general election, either. It’s still heavily disproportionate. Proportional voting is far superior for ensuring representation.

Yes!

Any form of single winner ballot (ranked choice or FPTP) is gonna favour the centrist, even though that means 50% of the population don’t get their ideal representation.

Actually, both FPTP and RCV suffer from the "center-squeeze effect", so centrist candidates are at a disadvantage and they favor more polarizing candidates.