I've been using SwiftKey for 10 years (typing not swiping), and test ran FUTO for the last month.

FUTO improved a lot (I had tried it a year earlier also) but SwiftKey's suggestions are still a lot better in my opinion. With SwiftKey I can just type roughly in the right spot without looking and the correct words will come out most of the time. FUTO still suggests a lot of nonsensical next words that just do not follow after the previous in English.

I hope it improves further so I can switch.

The voice models are great though, and they can be used as part of the keyboard or standalone.