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Let's be honest here, what we have are just effective descriptions and the "true (better) model" is ever more elusive. The most applicable of all our models to most scenarios is certainly Maxwell's equations, which in my opinion very sufficiently describe our reality within a great range of energies and let's say a bit more rough magnification, there are still plenty issues with the notion of point charges and the absence of electron self-energy or inappropriate description of the radiative back-reaction of radiating charges, these issues are resolved within the framework of quantum electrodynamics, which is basically just quantum mechanics applied to infinite degrees of freedom except for finite in a phase space. Sadly, quantum field theory is a perturbative theory and the approach, while very "elegant" and powerful, the notions that yield good results aren't really all that general, ie. the system might be described by free bosonic field (EM), free fermion field (electrons satisfying Dirac's equation) and the interaction provided by minimum coupling. The notion however of photons and electrons being quanta of the underlying quantum fields is however very powerful.
