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I haven't tried many, but Dragon Naturally Speaking, at the base level isn't that costly. And you could "borrow" it until you've earned enough to buy a legit copy. I see no problem with that as long as you contributed back to them what they helped you earn. But that sucker... you train it to your voice and it learns all of your peculiarities and what not. You can teach it words as well, technical words it wouldn't normally pick up, etc.
The only thing I'd worry about is the ambient noise of the being in the car. You'd have to get a headset thing and really close mic your mouth to get the signal to noise ratio up.
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