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I don't know if a built in app does that, but if not, it should be possible to write one and use the OS APIs to do the actual recognition?

"Why didn't I consider it earlier?" was my first thought. Then, "Maybe I talk too much and think too little?"

Your idea is definitely easy on the wallet, but I should've mentioned before that accuracy is crucial.

When it comes to speech recognition accuracy:

- Windows might work well, since Office 365 has good speech recognition features.

- The speech recognition on macOS isn't as accurate, and iOS might have the same problem.

- As for Chrome and Google Docs, their speech recognition quality is lower, and Android might be similar.