I use a keyboard shortcut to start and stop recording and it will put the transcription into the clipboard so I can paste into any app.
It's a huge productivity boost - OP is correct about not overthinking trying to be that coherent - the models are very good at knowing what you mean (Opus 4.5 with Claude Code in my case)
I am using Whisper Medium. The only problem I see is that at the end of the message it sometimes puts a bye or a thank you which is kind of annoying.
Also haven't tried but on latest MacOS 26 apple updated their STT models so their build in voice dictation maybe is good enough.