My current fav STT is Hex, MacOS only:
https://github.com/kitlangton/Hex
Near-instant accurate-enough transcription using local Parakeet V3.
Handy is multi-platform, also great:
https://github.com/cjpais/Handy
Every time a new STT model or app is announced, I see if it displaces Hex for me but so far none have.
I’ll check out Yap though.