Literally so many when searched: https://hn.algolia.com/?q=macOS+transcription

Add "open source" if you wish as well.

I don't mind https://matthartman.github.io/ghost-pepper/ however I do really want speaker recognition which it does have but I haven't been able to get it working.

I'm seeing a lot right here: https://github.com/FluidInference/FluidAudio

Handy is the most common recommendation

https://handy.computer/