I would not dream of doing spreadsheets without a hardware keyboard (and keyboard shortcuts), even on Surface Pro running full-featured Excel. Of course that's going to be hellish.
Dictation is supposed to be improved in iOS 16:
Quote:
All-new Dictation experience
While dictating on device, you can move fluidly between voice and touch. Type with the keyboard, tap in the text field, move the cursor, and insert QuickType suggestions, all without needing to stop Dictation.
Automatic punctuation
Dictation inserts commas, periods, and question marks for you as you dictate.
Emoji support
Insert emoji using your voice while dictating on device.
Dictation popover
Easily stop Dictation by tapping the new cursor popover.
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