So, after posting on this thread, I made a bit of an impulse buy. I suppose the Nuance website has an interesting system in place, in which if you go partly through the purchase process but stop near the final steps, and then returned to the website at a later time, they will offer you a time-limited discount. Because of that discount, I bought Dragon dictate professional.
Again, remember that I am using a high-end, dedicated, Dictaphone style microphone. Using that microphone, the accuracy is incredibly impressive. The error rate is hardly comparable to the dictation feature built into Mac OS. I think I mentioned it above, but with Mac OS, I would have to make a correction seemingly once every sentence or two, at least. Yet with Dragon, making corrections is very, very rare.
Unfortunately, some of the downsides that were present in the Mac OS dictation software are still present with Dragon. For example, after speaking a sentence, it still takes a little while for the sentence to appear on screen. My impression is that Dragon is slightly faster at this, but I have not timed them. Another downside is the capitalization of certain letters. If you're continuously dictating and are not jumping around what you have written, then Dragon seems to work perfectly; however, if you try to insert a word within a sentence, Dragon will frequently capitalize the as if it is starting a new sentence. The Mac OS dictation feature would do this in certain applications, but in Apple-based applications, or applications that heavily used the Mac OS framework, it was able to intelligently identify what part of the sentence it was in and either capitalize or make lowercase appropriately.
On the other hand, one of my major uses for the software would be in Citrix environments. I'm happy to report not only that Dragon works in these environments. But that it seems to thrive. If you've ever tried doing this with Mac OS, then you'll know that the computer seems to quickly scramble words and sentences as it tries to determine the best sentence. This is scrambling process is barely noticeable when using a native application, but when remotely virtualizing over Citrix, it slows things down and is highly noticeable. When Dragon lays down words and sentences, it seems to be the finalized version. Thus, using Dragon with Citrix, those delays are not an issue.
So, to answer the question of "is Dragon worth it?" The answer is that it depends. Dragon's accuracy far outclasses the Mac built-in dictation software. Perhaps someday it won't be like that, but this is how it is for now. I can close my eyes while I dictate and even speak a little bit more quickly, instead of babysitting what I'm saying and watching as the Mac transcribes it, usually with a number of errors. Yet Apple has one small advantage in correcting errors, which is that it will often recognize if it has a word or sentence wrong. in those instances, it will underline the sentence, and right clicking it will bring up alternate suggestions, one of which is usually exactly what you said. Dragon does not offer such a capability, although you're arguably better off anyway because the error rate seems to be so low.
My advice would be that for anyone attempting to get into dictation, use what is built into your Mac, and use what is built into your iOS devices. If it seems like it's working for you, and is something that you enjoy using, then I would think that the Dragon software package is worth it. Yet I can imagine that for many people the built in options are sufficient, and purchasing Dragon would be a rather large waste of money. All that I can say, is that I do not regret my purchase.
This entire post was dictated with Dragon. I think I made two or three errors that I fixed, many of which were due to my own enunciation issues. I hope this is helpful to somebody else, and if you have any questions about the software, I can try to answer them.