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.

Interesting are you using the full model? I found with a good microphone and the full 1 gigabyte language model that the quality is quite good compared to other people's phones I have used from time to time.

How did you add the punctuation and capitalization?

That was by hand but it's a small task.

I'm imagining remapping some VIM shortcuts for even easier capitalizing words and adding common punctuation.

This remap makes the "." key add a period after the previous word, capitalize the current word, then move on to the next word:

  :noremap . bea.<esc>w~w