But the answer largely depends on you, the languages you speak, and personal preference. Whisper is still excellent and supported in transcribe.cpp
Cohere Transcribe is also excellent, but many of the new models are as well
You should be able to fix this by playing with the mic speech floor. It happens when to much ambient stuff slurps in.
It's actually gaslighting you, you don't say that many ums and ahs ;)