Currently using wired headset microphone, more accurate for me as I move my head around a lot and want both hands free for keyboard, looking stuff up, etc. Can get a very good one for $130 and up, "theBoom O" is very close to the most accurate with the best noise cancellation and considerably cheaper than some of it's competitors. Wireless raises the price a lot for comparable accuracy.
I am planning on using a Philips SpeechMike Premium in the room, but very expensive. I'm going to haul it from room to room, have USB extension cables draped over the desks. Hoping by dictating in front of patient that 1) They'll be quiet for a minute and let me enter some data, and 2) they'll be distracted enough to stop thinking up new problems to (try to) add to the visit.
I'm still using Dragon Medical 11, I hear that the newer version (Dragon Medical 2) is much snappier to start entering words, possibly because it can use multiple threads (multi-core processor) while Dragon 11 uses only a single core and thread. However, I haven't been convinced that it's wildly more accurate. I agree that accuracy will go up more with a better microphone than with a new Dragon version, but it still helps to articulate. That does not mean stopping between words, accuracy is actually better for entire sentences (if they make sense, or if you have trained an entire phrase).
I also use Knowbrainer, they have a lot of good advice and microphone comparisons to look at. One caution, I think you can only upgrade 2 steps (e.g. Dragon Medical Practice Edition 10 to Dragon Medical 2, or 11 to the next upcoming version) so consider that in delaying upgrade. More than 2 steps and I think you pay full price.
Good luck!