Handy is an amazing cross-platform app for dictation from the author. There are other awesome open-source dictation tools as well like native macOS ones. You do not need SaaS subscription in this day and age for transcription.

I maintain this list of all the best open-source ones in this awesome-style GitHub repo. People looking for open-source dictation tools, hope you find something that works for you here:

https://github.com/primaprashant/awesome-voice-typing