I'm sure it's like everything else - some are good and some aren't. Dr. Phil is always pushing his app, Doctor on Demand, for example, but obviously there's money to be made with it. They accept various kinds of insurance so you can check this out with any virtual service you are considering. If your insurance offers a service, maybe it's fine. I'm sure they are concerned with liability so the doctors are board certified, and they all keep costs down by not having to bring every patient into a bricks-and-mortar and fully-staffed office.
My concern with your symptoms is that you probably need someone to listen to your lungs to see if you're well into bronchitis or even pneumonia, since you have shortness of breath already. That's going to be impossible for a doctor to do remotely, while it would be easier with, say, a skin rash or other issue that you could hold up to the phone for them to get a look at. For 30 years, I had a long history of bronchitis, and once I got a cold, it settled into the chest and stayed there for weeks, keeping me up at night and thus nullifying the "get some rest" prescription!
My other concern is that you have a doctor whose team you don't trust - that's a problem. And if you feel that walk-in clinics are "hit or miss" then you aren't in an area with good care. I'm ruling out the possibility that you are tough to please, by the way!
My husband used a walk in clinic nearby and got very good care/service. You can check to see who accepts your insurance and who will negotiate a price if you pay at the time of service.
You could always start with the virtual service since it's connected with your insurance company and you have some recourse if you get overcharged or if you are given the run-around. But there's no way to treat a viral condition except to minimize symptoms (working on a productive cough, for example) unless/until you get into trouble or a full blown bacterial infection.