The best quality of life improvement this year has got to be Parakeet TDT v2 (English only) running as a local paralleled service on multiple M-series MacBooks.
I use Cloudflare for my router, and if all my devices are offline it uses a third party service as a fallback (Whisper v3 Turbo via Groq)
The cherry on top is setting up the two side-buttons on my mouse. One is a boolean toggle for record/stop record, the other executes "Enter".