I dictate a lot. I used Wispr Flow and Aqua Voice for a while, paying monthly, and honestly the price wasn't the problem: it was the lag and the times it just got stuck. So I built my own: Spectrum Dicta, a dictation app for Windows that you buy once.
You can run it fully offline with local models (a bit slower, I'll admit, but nothing leaves your computer), or plug in your own API key from the provider you choose, and then it's really fast. For my daily use it's been quicker than what I had before.
Always happy to talk about dictation, AI tools or automation. Feedback very welcome!
https://spectrumdicta.com