Hello SravanKrA and thanks for your reply.
Unfortunately the issues you describe are only part of the problem I'm having with dictation since updating to iOS 26 and beyond. This feature used to work quite well for me in iOS 18, which is why I specifically mention iOS 26 in my post.
The issues I have with dictation is not just that it spells words differently to how I'm pronouncing them, it generates completely different words to what I'm actually saying - words that don't sound anything like the word that I am saying. Repeating the words with a different tone and inflection doesn't make any difference, so retraining is not an option. The reason I pay a premium for Apple products is because I expect them to work. I shouldn't have to spend time teaching dictation how to work when it's supposed to do so out of the box, or at least it did to some degree in the past.
I’ve also been having similar problems with predictive text since the move from iOS 18. I used to find this feature quite useful prior to the iOS 26 updates, but now I don't use it at all. It began to suggest words that were completely irrelevant to what I was typing. Then it got much worse. It began suggesting completely different words to those which I typed. For example, I might type the word ‘book’, beginning with the letters ‘bo’. Instead of a word beginning with ‘b’, predictive text would suggest something like dog, or car. Even as I proceeded to type the next letter, ‘boo’, it would then suggest something like ‘goose’. This type of thing became so frequent that I just stopped using predictive text. Again, another feature that I pay a premium for that just doesn't work.
I've tried things like the dictionary reset and various things and YouTube videos which involved disabling and enabling settings related to dictation et cetera, but none of it worked. I've just given up both.
Regarding dictation, I'm trialling a third-party app called super whisper. It's early days, but so far it's been immeasurably superior to Apple's pathetic effort. Why Apple can implement something like this in iOS is beyond me. I shouldn't have to reach for third-party apps to do what Apple promises it's iOS will do, but I'm happy to do so when Apple fails to deliver on that promise.
Anyway, thanks for your help and suggestions, but I'll continue trialling super whisper for now because it's so much better than apple's dictation and I can use it on my Mac as well.