AI "recording" software has never been tested in court, so no one can say what the legality is. If we are having a conversation (in a two party consent state) and a secret AI in my pocket generates a text transcript of it in real time without storing the audio, is that illegal? What about if it just generates a summary? What about if it is just a list of TODOs that came out of the conversation?

Speech-to-text has gone through courts before. It's not a new technology. You're out of luck on sneaking the use of speech-to-text in 2-party consent states.