Yep. A garbled duplicate of a reminder or note doesn't cost anything and even alarms aren't a major issue unless they're set for the middle of the night, so if anything hiccups I just retry.

Your analogy touches on another important factor, which is that the human brain has a titanic amount of hardware dedicated to accelerating and reducing the overhead of voice. It's so good that it even participates in basic cognition, so most of the time the note you want to take is already right there and properly formatted for speech. There's a reason that "thinking out loud" is a thing. :P