I've never found real-time dictation software that doesn't need to be reviewed.
I'm definitely waiting for Apple to upgrade their dictation software to the next generation -- I have my own annoyances with it -- but I haven't found anything else that works way better, in real time, on a phone, that runs in the background (like as part of the keyboard).
You talk about Whisper but that doesn't even work in real time, much less when you have to run it through an LLM.