Actually, Autopilot is a HUGE deal to me and I thought lane-keeping was already working on current models. Maybe I should wait for this to get figured out.
I want AWD as well, being in CO.
I'm a forum lurker (not owner) and this is what I have read:
* Tesla AWD is a huge improvement over RWD.
* Autopilot availability and current implementation is a mess. Don't expect it, don't use it, and don't wait on it. If you do use the assist mode they have now, be ready to second guess it every time there is anything but a flat desert in any direction. Lots of people have been in nasty crashes because the assist mode didn't assist (at least not early enough to stop a bad crash).
All your Pro's are good and all your Con's are irrelevant except for:
Tesla in a bad neighborhood brainstorming:
I have never owned a Tesla, but I do have a decade old used super-shiny black MB E500. Many times I’ve been chased on the freeway by angry yelling dirty old failing paint Toyota Camry’s because their drivers have some genetic instinct to attack MB’s. I feel like they're targeting my $10,000 car like it's a $250,000 car. I’ve thus learned to be ultra-careful when I approach the types of neighborhoods housing those types of vehicles and drivers. Here is some brainstorming about an approach regarding bad neighborhoods:
* Perhaps park in the better parking spaces (perhaps nearer to better neighborhoods) and commute (bus, walk, bike). Always avoid areas where glass is on the road (indicating break-ins common). Often all I have to do is go 2-3 blocks for a change of neighborhood quality. I take this very seriously. Sometimes it can't beat parking in a psychologically very good spot at your target, though.
* Boring color pick, but not so boring you put everybody in a death mood.
* Plastic wrap (perhaps covering up an exciting color with a boring color!)
* With the plastic wrap, get it dirty, but not too dirty: just bad neighborhood dirty. Many people attack very dirty cars, and fewer people attack ultra-clean cars, but both exist. A happy medium does exist in those dirty neighborhoods; most of them don't have time and money to wash their cars and most are poor enough to be around dirty dust clouds more often. Clean it sort-of.
* Order it with no flamboyant badges. The less symbols, the better, to a point. Specifically ask how unbadged it can get. Don’t go overboard on this either: if it is TOO generic, many people attack those vehicles that don’t “fit a mold” or “have too much work done on them” like many cars that have lost their designations through too much work (a gangster will assume you are a rival gangster since this is a sign of being a gangster). Maybe ask the factory for the least profile branding they have and call it good. If you identify yourself properly then stop calling attention, that’s what the bad neighborhoods want, pretty much like cops (after all, that’s what bad neighborhoods are: enforcement by criminals, much like cops but a different tribe).
* Learn how to park close to the super conservative poor people that have well-kept cars and pimps with nice cars (but not tinkerers with flashy cars since these are bad news), since both categories want to treat their vehicles carefully since they both view their cars sort of as expensive investments. In general, look for the best out of the way but not out of sight parking spaces. This is a real art. It is a balance of a million things. After years of practice, you get good at it. Keep in mind sometimes this is who the thieves target and you can hone your skills.
* Don't call attention to yourself. But don't sneak up on anybody either -- this is almost as bad. Drive slow enough for people to not be surprised by your presence, but not so slow they size you up as a mark. Never look like you might speed into anybody wandering around the streets, but don't be timid. Graciously strong is my motto, for better or for worse.
But you have to also be ready for whatever. Avoid the problems but understand the risks and probabilities and don't get bewildered when something does happen -- have a realistic plan and be ready to learn and think clearly and in a way that instantly diffuses issues. Animals react to stimulae, and if you give the right stimulae, you can get out of anything without even so much as a thought or moment's notice.
I used to have beat up tanks of cars (Swedish bricks from pre-Ford era), and those things I could drive LIKE A TANK in those neighborhoods, and people would GET OUT OF MY WAY and give me ample respect. This doesn't happen in luxury cars: prettymuch the opposite. My car went from being an Unstoppable Force To Be Contended With to a stealth batman-like car that took back roads and hid all the time like a dainty thing (from predator to prey). If I do want to sound forceful, the muffled roar of my V8 helps, but to a point -- it's a subtle effect that can be overused (don't make them turn their gaze to you); I'm actually curious how the lack of this would make a Tesla feel in this situation.
You seem uninformed about the issue of insurance. Not all insurance is the same. Any insurer will send you a big bill, but very few insurance places actually pay out the proper value for Tesla (this is no nitpicky thing at all --- tens of thousands of dollars lost and huge overhead for dealing with bad insurance). Read these forums very thoroughly about the best insurance options to get.