iMovie 10 subtitles?
The method for iM10 is described here and on the youtube.
Lower third titles and lots of c&p and/or typing. Same for FCPX.
However, Handbrake will do a lovely job with an .srt file and your iM10 (or FCPX) "shared" video.
Load your video clip into HB.
Click on Subtitles tab.
Tracks pop up on left. Add ext subtitle track. Navigate to .srt to select.
(MacWhisper is one app that will speech to text to .srt)
Burned in check box. Language. UTF-8 encoding.
badda bing badda boom !!!!
Mac mini (2018)