Are audio to text tools actually reliable enough for note-taking or still hit or miss?

I’ve been trying different audio to text tools to help with note-taking from meetings, interviews, and voice notes.

In theory it sounds like it should save a lot of time, but I’m still not sure if it’s actually reliable enough for real use or just good in ideal conditions.

Clean recordings usually turn out fine, but once there’s background noise, overlapping speech, or fast talking, I still end up spending a lot of time cleaning things up manually.

I’ve tested a few different tools over time, including Whisper-based ones and some popular transcription apps, but none of them feel consistent enough that I can just trust the output without reviewing everything.

Curious how others here are handling this. Are you using audio to text as a starting point for notes, or do you mostly just take notes manually?