Correct, however I am not speaking to the current capabilities of PCF controls. I am stating that the ability to raise the ClickToAct event from a PCF control would be useful and more than likely easy to implement on Microsoft's side. If you look at this blog post from Elina Peltokoski, you'll see exactly what I'm talking about. Elina navigates to the appropriate phone number field on the form editor and opens the related field properties popup modal. She then navigates to the controls tab (the same place custom PCF controls are bound to fields) and adds a control called "Channel Communication Control". This is an out-of-box control that you will find in any up-to-date Dynamics environment (can only be bound to phone number fields though). Opening this control gives you an identical properties form to what you see when setting input parameters on custom PCF controls. It shows the field the control has been mapped to and the ability to set a url for the location of an image. Even though this is out-of-box, it looks and feels exactly like a PCF control, and I'm guessing that's exactly what it is. If I am correct, then raising the ClickToAct event is already working inside PCF controls, and Microsoft just hasn't given us the ability to do this ourselves. Perhaps a Microsoft employee like @HemantG could provide input on the possibilities around this feature request, but I appreciate your attempt to help regardless, @DianaBirkelbach.
If this functionality isn't something that can be released to the public, then I would at least suggest that Microsoft allow for a placeholder text input and an input that could accept regex for phone number formatting on the OOB Channel Communication Control.
Edit: the Microsoft doc for the event in question can be seen here and the second sentence says that this event can be raised from a custom control, but I have seen no examples on how to do this. The word "control" may not even be referring to a PCF control here.