I think you are really asking a broader question, "is having a strict definition of a file format a good thing for a rapidly evolving project".
To answer your immediate question, though: yes, they are. The XML schema gives you a strict definition of the format, answer a lot of questions about validity, provides great documentation, and allows you to confidently know that a specific version of the document has a specific form.
They are not the be-all and end-all, though: they define structure, not semantics, so you can still change the "meaning" of a tag between version of the document without having to change the schema. That causes just as much trouble.
To answer the question I think you are asking: yes, the XML schema is a good thing.
It is forcing you to address a painful fact, which is that your data exchange is constantly changing versions, and that means you have to adapt your system to account for that.
If you only had the IOS model, where you take a "rough guess" at what this version means, you open the door to all sorts of trouble in the long run. For example, it becomes trivial for someone to assume that "element foo being present means version 1.2, so tag bar means ...".
That is great, right until version 2.0 adds back the foo element, with a different meaning, and tag bar isn't even there. Welcome to "inconsistent behaviour" city.
If you use XML without schemas, or JSON, or something else that doesn't impose that cost on you then only a tiny bit of the problem goes away. You still have to deal with all four versions of the input, but you have less tools to help you out.
You should, in my opinion, generally prefer to make the pain of changes proportional to their real, long term cost. Changing the data exchange format has a high long term cost - you have to deal with compatibility, with data upgrades, and that sort of thing.
If that costs little you will be tempted to do it a lot, and then will pay the maintenance cost tomorrow. If it costs more now, you might think harder - can you do more than one thing in this change? Can you get away without it? Can you do it smarter?
In short, I think your real problem is that your file format changes often, not that you used (or didn't use) XML schemas.
(Also, are your users really happy if the server or client randomly drops content that is represented in the newer version? I would be surprised if that remains true forever - another of those long term costs you need to recognise somewhere...)
Best Answer
Use a database, thats what they are for. File storage has its place, but I wouldnt use it for this kind of scenario. Consider, for example, getting a list of blog posts containing a certain tag. Doing that with a database is trivial - likely just a single SQL statement. Doing it with files will involve a lot of file manipulation.