I don't disagree with anything you're saying here, though with one minor exception: while Steve and Rick are two people with different experiences, risk accepta

I don't disagree with anything you're saying here, though with one minor exception: while Steve and Rick are two people with different experiences, risk acceptance, attentiveness, etc, FSD is FSD. Speaking of risk acceptance, I wouldn't trust my life or anyone else's to FSD. I don't have FSD in my Model 3, but I have used all of the other driver assist features. There have been too many times when those features have made serious mistakes, so I don't use them. Even at it's best, FSD appears to be about as good as the worst drivers on the road. One anecdote of poor performance, for me, is one too many.