I got my model y a month ago and purchased it and financed it through Tesla. I was unsure about FSD and really wanted to wait for the subscription thinking the price would be closer to you $150. But at $200 it's a little over 4 years. I also realize that I'm most likely going to keep the car for longer than 4 years in the family at least give it to somebody like my kids or brother or sister etc. And I'm also investing probably close to 10K in upgrades like suspension system body kits etc. So I'm wondering if Tesla financing will let me add in 10k. I'd rather not pay it up front. Otherwise I might just pay the subscription and invest $10,000 in Tesla stock. I'm pretty sure it will double in 4 years 