Smart punctuation in iOS 27 can never work because punctuation is subjective, depending upon what you're trying to say or emphasize, etc. When I pause during dictation, it puts in random periods. and? Zinn. (That was dictated as "periods and question marks in.") I use dictation a lot, and I will switch all my devices to android if there is no way to toggle this off.
[Re-Titled by Moderator]
Original Title: Turn off smart punctuation!!