So private fleets aside, when will it be out-of-the-box on my Toyota? Are we at diminishing marginal returns and not getting closer? Do we need a 'leap' in AI

So private fleets aside, when will it be out-of-the-box on my Toyota? Are we at diminishing marginal returns and not getting closer? Do we need a 'leap' in AI? Or is this just a matter of grinding it out?