I make transcripts of all my work using Descript. It uses Google's speech-to-text algo (same as the one in youtube presumably) and gives you a transcript you can then edit. It costs $15/month I believe, and you have to spend some time editing the transcript that realistically won't be read by many, but it works pretty well ime (no affiliation besides being a happy customer)
Right. A high-quality podcast is already lots of pre- and post-production work on just the audio. I use Rev which hires captioners on my behalf [0] but it's also expensive. I use it sparingly.