Despite recent advancements in ASR, identifying effective architectures, fine-tuning approaches, and data adaptation strategies for low-resource languages remains challenging. We present a systematic comparison across five low-resource African languages and Swahili as a mid-resource contrast, fine-tuning three models from distinct architectures: Phi-4-multimodal-instruct, Whisper-large-v3-turbo, and MMS-1B-all. We analyze data sufficiency, monolingual versus multilingual adaptation, domain fine-tuning, and language-adapter transfer. Phi-4 achieves the best overall accuracy, MMS shows comparable CER, while Whisper exhibits high CER, consistent with known hallucinations and repetition loops. Performance saturates at different data scales, offering practical data-efficiency targets, while typological complexity consistently shapes error rates. Domain fine-tuning benefits Phi-4 and Whisper but degrades MMS, revealing limitations of adapter-based adaptation. Proxy language adapters outperform training MMS adapters from scratch.

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