Although I agree that the current system is not that great for assessing individual driving safety, I contend that many people on this forum are looking at it the wrong way -- at least for the current purpose of selecting FSD beta testers. From Tesla's point of view, the goal is to manage a big increase in their beta-test program. Let that sink in a moment: It's a beta-test program. They need a lot of people who are reasonably good drivers, and they want to expand that pool gradually as they improve their software. This is NOT intended as a way to screen people to see who's "worthy" of "get[ting] the FSD [they] paid for YEARS AGO." It's about limiting the expansion of a beta-test program in a manageable way. Viewed in that way, the fact that the score is imperfect really isn't that important. Sooner or later, everybody who requested it and who scores above some point will get in, and the difference between a 99 and a 100 isn't really that important from Tesla's point of view -- but using a score based on an imperfect measure of driving safety is better than a truly random lottery, since Tesla wants to screen out the people who drive like lunatics or who fall asleep at the wheel with Autopilot engaged.
As we're discussing a beta-test program for software that controls a vehicle weighing thousands of pounds that can kill people if it gets something wrong, potential testers should fully understand the awesome responsibility that beta testers are undertaking. The software that some of us are getting is not a toy, or a reward, or what we've paid money for; it's incomplete software with both known and unknown bugs. It requires more supervision than a 16-year-old human who's learning to drive (judging by videos I've seen; I haven't yet gotten it). Judging by those videos, it appears that the software in its current state is likely to increase the stress and difficulty of driving, and it might even increase the odds of your getting into an accident. That's not a reward; it's a responsibility and a risk. The point of the beta-test program is to improve the software to the point where it will make driving easier and safer, but I don't think it's there yet.
My own advice is to be less eager to score high. Yes, it's frustrating to be "judged" by this mindless algorithm for an action that really is not unsafe. For the current purpose, though, it's best to view it from Tesla's perspective, as a way of managing entry into a beta-test program, rather than as commentary on your individual driving skill, or to become frustrated because your score means you'll get into that beta-test program later than somebody else.
All that said, if Tesla is using or will use these exact criteria for setting insurance rates, then I'm much more critical of it for that purpose. For the purpose of setting insurance rates, it has real monetary consequences for individuals, and a better scoring system becomes important. My own observation is that some ways to "game" the current scoring system can actually be unsafe. For instance, Autopilot does a poor job of setting speeds on exit ramps and merging onto highways; but engaging Autopilot to handle these tasks can help prevent the driver from being "dinged" for unavoidable issues in these circumstances, so the current system encourages unsafe driving in at least some situations. This is another reason I think people should curb their eagerness to get into the beta-test program. Although the scoring may discourage some unsafe driving habits, I'm concerned that this benefit may be offset by encouraging other unsafe habits, and that's just not worth it to get into a beta-test program a week or two earlier.
Personally, the more I think about it, the more I'm considering removing myself from the beta-test queue. Based on the videos I've seen, and my own experience with Navigate on Autopilot, I don't think this FSD-on-city-streets feature will be something I'd want to use for myself, at least in its current state; it's more about providing Tesla with more data that can be used to train its neural nets to do a better job in the future.
Adding on to what you wrote:
Keep in mind, for those of you who are frustrated at the amount of effort it's taking to maintain a good score, when you get FSD beta, you will be exerting MORE effort monitoring the system. Remember, you are not getting FSD the "finished" product. You are getting early access to test FSD that still sucks. So when you get FSD and use it, and you realize that it's too much effort to monitor it, you might stop using it. At which point, you're not doing what you signed up for, which is to test the software. If you intend to be a beta tester, you need to be prepared that you might not ever drive the car the way you want to. If you cannot accept that, then the best course of action is to forget about early access, the safety score, etc, and just enjoy your car like you used to.