When I ordered my Model S in November of 2016, I opted for EAP, thinking FSD would be years off. So far I was right. Had I spent the extra $, I would have seen virtually no practical benefits. Just a lighter wallet.
While stopping at intersections would be nice in theory, it would take me a while to trust it. An increase in resale value is a non issue since I have no plans to sell the car any time soon. And with COVID 19, the car will continue spend a LOT of time in the garage; probably for a long time.
Reaching the goal of safe FSD is REALLY difficult. While "conditional" SD may be available within the lifetime of my car, it is my opinion that even that may very well require an HW4 upgrade and additional sensing hardware, (and another upgrade purchase from NFSD (Near FSD) to FSD).
I'm keeping my $3K in the bank.