I use https://github.com/braden-w/whispering with an OpenAI api key.
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)