Disabling Predictive Text Autofill on iPhone

I like the predictive text option, seeing the options above my keyboard. They can be very helpful. However, it is so annoying that when I'm typing words like "to" or just random words that my phone thinks it knows the next part of, it automatically fills it in. "really" is a huge one for some reason. It autofills every time I said "R". Or it's always continuing my sentences. I have autocorrect off. I just wish I was able to keep predictive text on as an option but not be forced to let it autofill. It's so annoying.

[Re-Titled by Moderator]