I have to respectfully disagree with your second sentence. Monitoring a system is not anywhere near as much work as doing it all yourself. I spent thousands of hours early in my career hand flying commuter aircraft, shooting approaches to minimums in all kinds of weather, no autopilot whatsoever. When I was able to upgrade to an aircraft with an autopilot, my workload was greatly reduced, although I still had to monitor the autopilot, you now had more time to widen your view and give more attention to other important matters of the aircraft systems, weather, traffic, etc. etc., because the autopilot would not let you stray away from heading and altitude when not paying direct attention to that. And bust an altitude or heading assigned can get you in real trouble with ATC, if not lead to an accident. Using autopilots is a much safer, and easier proposition, and less stressful, but it still requires FULL oversight, it’s a machine that can fail suddenly, or do something unexpected.
I recently took my first long drive in my Tesla from Florida to NY and back. Used FSD the entire way. Compared to other vehicles on long drives, I found driving a Tesla was far less stressful than any car I have ever owned. I drove twenty hours over two days, and was not nearly as tired as in my ICE car over the same drive. It’s much safer, much less tiring. Using FSD properly is nowhere near as much work as hand driving. The only time I would turn off FSD was when I had no car to follow, and somebody decided to get right on my tail, (phantom braking, which has happened more than once to me). These are workload reduction systems, and they do reduce your workload substantially, if only in the lane keeping assist, and TACC. And get into a two mile long stop and go traffic jam, well that’s a piece of cake in a Tesla.
As for in town FSD, yes, you will still have to monitor it closely, and be ready to intervene, but I believe overall it will be quite a bit less work than actually hand driving.
Having said that, I agree with your idea of the car monitoring me for safety’s sake. The combination of automation and human oversight is the safest and least stressful in my view.