I've used a few and got so invested that I built my own. If I had to suggest some, they are also all Open Source:
Handy - It's great, supports Mac, Win and Linux. It's very focused on dictation, but it doesn't go too far outside of that. It's also completely free https://handy.computer/
VoiceInk - Mac only, and pretty good if you're on a Mac. It starts at $25 for one device. https://tryvoiceink.com/
Glimpse - the one I built. Mac and Windows, free local dictation. A lifetime license covers other paid features, w/ a 2 week free trial. https://tryglimpse.cc
[HEX](https://github.com/anomalyco/hex) is a nice open source app, although it’s in the middle of a rewrite into rust and cross-platform support is still in progress.
FluidVoice has been working well enough for me on my laptop.
Not sure if finetune is the right word here, but their default local model seems to be an in-house fork of parakeet (?, maybe whisper) that works a bit better on tech jargon than vanilla parakeet i use in handy. Though has a few other quirks. Take with a grain of salt as I’m a low volume user, but it’s been enjoyable to test. I kept my wife on handy while i test this one.
FluidVoice!! They are cooking up smaller and smaller dictation polish models to do everything locally.
I use Handy, it's fine, my complaint is that you can't have it clean up your grammar mistakes, it just records your words exactly as is. But for that it's great
+1. My only complaint is that the on-device models don’t handle punctuation commands on their own.