I don’t use dictation on my desktop. I have spent a lot of time typing every day for my entire adult life and much of my teens. I am as comfortable typing as I am speaking — maybe more comfortable.
But that’s only when I have a full-size keyboard and a flat surface to put it on. On my iPhone, I dictate, rather than type, half the time or more. I use Siri for that; I haven’t tried any other voice-to-text apps.
In the 1970s, writer John Varley wrote a series of science fiction stories where the characters communicate with their wearable computers using “subvocalization” — whispering inaudibly. Sensors at the throat detect throat and mouth movements and convert that to speech for the computer to read. That still seems workable, and would solve the problem of making offices sound like call-centers.