This may not be a fair comparison, as I do not own or use Dragon Speaks. I do use Google Docs > Tools > Voice Typing. I did not have to train it and it saves for me to work on at my leisure without transferring it to Word, Pages, or another program for saving. Plus, it’s free.
I format punctuation as I go, unless I forget. It is easy enough to make the changes when I do the daily edits.