It’s really domain dependent I think. If you are doing anything conversational interfacing with less AI-familiar users, latency matters a lot.

If you’re feeding the results into a very smart LLM, it will figure out what you meant (but crucially ONLY if you warn it or tell it to do so, in some cases!). If you’re writing code directly or creating something for public consumption, you can’t tolerate mistakes. If you’re taking notes for yourself you just want it to work cheaply.

If you are ok with the complexity you can run both, and a Meta/Google open model with native audio, and let a smart LLM doctor it up. If performance really matters you can pay for a proprietary model or train one yourself. Until you get to that point, I think it probably doesn't matter much either way. Voice is just too easy to fiddle with