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)

I just installed this app and it is very nice. The UX is very clean and whatever I say it transcribes it correctly. In fact I'm transcribing this comment with this app just now.

I am using Whisper Medium. The only problem I see is that at the end of the message it sometimes puts a bye or a thank you which is kind of annoying.

I am all ready to believe that with LLMs it's not worth it trying to be too coherent: I did successfully use LLMs to make sense of what incoherent-sounding people say. (in text)