FSD has the most training in California, certainly with Tesla FSD employees. Elon’s impressions could be accurate there.
But other parts of the USA, it has highly variable success. At 10.4 my wife commented that she could not tell if I was driving ( I easily got 100 Safety Score the first week) or if Tesla FSD was driving without specifically looking at the display for the blue wheel. At all the other versions of FSD, it was obvious that the Tesla was driving badly.
So I think 10.4 is almost as good as I normally drive. I “help“ it at left turns. It uses the turn signals better than I do. Roundabouts are ok without traffic and bad with traffic. Stoplights are handled well with and without traffic. Right hand turns are 50:50, some good, some require assistance.
I expect to have lower stress driving at 10.8 or version 11.1. Progress is being achieved. Now to just survive thru 10.4 and 10.6….