When I have fsd engaged, I'm a test pilot, and should be paid accordingly. On one occasion, I would have been in a serious high speed accident if I had not taken over immediately. When I have used fsd in a typical 15 mile commute, I encounter, on average, 3 times when the system does something dangerously stupid. If one were to believe Elon, fsd is about 10% complete, because he has said that it is a $100,000 feature once it actually works. (The average of last week's 12k price and this week's 8k is $10,000)
Tesla has been bilking folks for various versions of this dangerous software for about 9 years. So if we are 10% to the real deal, then we have another 81 years to go. Until then, Tesla should be paying test drivers instead of putting the public at risk.
Mercedes is further along, and is now selling level 3 cars, while Tesla is stuck at level 2. The price for the Merc system is about $5,000. Fsd must be worth far less than that, if it is worth anything.
Only if one considers the Tesla fsd system a plaything does it have any value.
But if you want to play with your life, then fly aerobatics, or hang glide, or race motorcycles. I've done all those, and they are far more engaging than driving a Tesla on fsd... and at least you will feel that you are in control. Properly driven, fsd does, and should, make driving more stressful than without it engaged, because the driver has to be so alert to the next dangerous decision the system makes.
A Kawasaki Ninja 400 is an excellent handling bike that can be raced -- it's a great starter bike. You can get one for far less than $8000. If you crash on a race track, you are likely to be the only one who is injured or dies. Whereas, when fsd steers you into the path of an overtaking vehicle, you may be taking your family and the other driver's family with you on your ride to oblivion. As a plaything, the Kaw is a much better deal than fsd.
If you are looking for something that will make driving safer (rather than a toy) then fsd has no apparent value. Better to buy a Mercedes. Testing fsd is interesting but stressful, and because you are helping to develop a future viable system, you should be well-paid. (My road racing sponsor at least paid my hotel bills.)