Last year, I used nuance dragon professional individual 15 for completing nanowrimo with ywriter 5 and an old work hand-me-down headset (Jabra Pro 9450 or thereabouts).
Over 98% of the prose was written by voice, and because of the headset's wireless range, I was able to wander around the house while thinking about what to say, with dragon happily riding down what I said and easily letting me correct when it made mistakes. I got very good at saying "full stop new paragraph" or, "select line, quote that, go back" to quote lines of dialogue. I expected to have to learn a million commands by rote memorization, but it seems like it became second nature within a day or two for first draft noveling purposes, I have no doubt that medical or legal uses have more advanced commands, but for writing a 50,000 plus word draft it was fine.
If you don't want to pay $300 for nuance dragon, I got scarily good results from trying out Microsoft office online word dictation via office 365 about 2 months ago via a $60 bluetooth headset for wfh.
I won't rely on the latter service myself because it is not offline speech recognition, and can be taken away at the flip of a switch, but for trying out if speech recognition is worth it for you to pay $200 on eBay or $300 in the store for dragon, it is certainly a useful feature to get off the ground.