It important to distinguish between disengaging AP/NoA on a freeway and FSD beta on city streets. On a freeway, disengaging NoA using manual steering input should indeed leave TACC enabled for the safety reasons you note (which is why I specified city streets only).
However, leaving TACC engaged after cancelling FSD beta on city streets is much more dangerous. Why? Because often FSD is driving well below the TACC speed (it may even be crawling). If you apply manual steering (canceling FSD beta) TACC takes over and instantly accelerates the car .. just at the moment you are trying to take control back of the car, possibly in an emergency. This has happened to me several times when FSD beta makes a mess of a roundabout, and having the car suddenly shoot forward in these circumstances is very bad. Sure, disabling TACC will mean the car slows down and you have to put your foot on the accelerator, but that's something you have to do anyway when you disengage TACC. I dont see how slowing down is anywhere near as dangerous as the car suddenly speeding up just when you have to take back control.
Probably what the car should do is leave TACC on but reset the TACC set speed to the actual car speed at the moment FSD beta or NoA is disengaged, so it neither slows down nor speeds up.