How do the pros do it? Developers like Owlchemy Labs ( Vacation Simulator ) and the BBC have pioneered several methods:

See What We Said? ‘Vacation Simulator’ Subtitles Update + ... - Meta

Virtual Reality is all about immersion, but for millions of users, that immersion is broken if they can't understand what's being said. Whether it’s for accessibility, language barriers, or just playing in a noisy room, subtitles are becoming a critical "must-have" for any Meta Quest title. The 3D Challenge: Why 2D Subtitles Fail