I never have predictive text, autocorrect et al. turned on. I somehow never figured it could work well. To be honest I did not give it a chance, but I'm happy to just always get exactly what I type. Don't remember running into any issues like author of the op article.

I turn off predictive text for a deeper reason: it interrupts your train of thought. I have a sentence mostly formed in my head, but when predictive text predicts a word that’s different, there’s so much extra mental overhead to consider whether I should change the sentence or ignore it.

I begrudgingly accept autocorrect on iOS however. On a real computer, I turn that off too. I have learned since a long time ago that writing and editing should be two separate activities.