Any tips or recommendations for a "note-taking and to-do" mobile app that would allow dictation, speech to text?

My use-case is recording quick notes and TODOs, which often come at the weirdest of moments (no computer, no paper).

I feel there's a market for something super simple: a speech recognition fast enough and good enough that I can later read and understand what I said.

Everything I've tried so far was either too cumbersome (I need it to start recording fast, just like taking a snap picture) or its transcriptions too crappy (no idea what was said, even conceptually).