It's more like 100% accuracy vs 95% accuracy, and the super large models are now able to extract non-trivial derived info from a regular human speech as well. While cost-wise it's not efficient right now, this will change over time (you skate to where puck will be, not where it is now), making the current fine-tuning way obsolete. Academically I am not thrilled as I built my research on fine-tuning, but as a producer of a product this solves so many issues at the same time, making me pretty happy.