Closed Captioning Records Vs Audio Transcription

[BaileyLynn]

I am interested in the difference in quality between the closed captioning transcript I can save with my pro account and the audio transcript you can access with higher accounts (business/education). 

It would be great to see a compare and contrast of the two. 

If this is the only service I'm interested in with an upgraded account, is it worth it to upgrade or would it be most cost effective to purchase and transcription service?