Hard of hearing as well. Personally, I have found Zoom's live captions to be decent to make sense of what's happening. There are some words that are misinterpreted, but the overall context is understood.

My only complaint is that these accessibility features should be available to everyone, not gated to free users. At the start of COVID in 2020, Zoom allowed free users to request captions as well and it took a few followups for my account to be enabled. Not sure if they are still offering it.