Reading your comment with nerd-dictation returns this for me:

  > i'm throwing another hat in the ring as this technology totally working most
  > of the time i used it to write this comment this should make my life ah lot
  > easier because i find myself going to my phone and using third dictation
  > feature a lot recently it's not as good as the one on my android for it's
  > ninety five percent of the way fair

For use with no training that looks great. I'm sure that as I learn to speak more clearly, your 95% estimate is achievable.