I bought FSD a few weeks ago, when the price increase appeared to be a foregone conclusion. Up until today, the only feature I really used was the lane change simply by signalling whilst in Traffic Aware Cruise Control (TACC). Then today, I had access to the stop signs and red lights beta (which only came to Canada late last week).
If you do any driving in stop and go traffic in the city, it makes TACC actually useful. Before, any time you came to a stop (for a light or a sign), you'd have to brake, which would turn off TACC. Then you would have to re-engage it. In some places, with a light every block or so, or some residential areas, with a stop sign at every intersection, it would be useless to use TACC. Now, granted at the moment, you need to 'allow' the car to continue at every light/sign, but that it because it is a beta feature, still providing data to Tesla HQ. Once it is out of beta, and you don't need to authorize continuing at every green light, you can set TACC, it will stop at red lights and go on green.
You can also usefully use Autopilot in the city now, too. You can change lanes just by signaling, it will keep you in your lane, and stop and go not only with traffic but with the lights/signs (with confirmation, for now).
Autosteer in the city may or may not be coming this year, as prognosticated by Mr. Musk (whose record of accuracy is not great), but I imagine it will be coming sooner, rather than later (you can find a thread talking about the upcoming ability to read speed signs and recognize roundabouts). Then it will be even more worthwhile (and to be clear, I am happy having gotten FSD just for what it has right now).
I agree with everyone that if range is at all a concern, pay for that now. (Who know, maybe your ability to pay for FSD later will arise). But if you are certain that you don't need more range (or more power, or AWD) I recommend FSD because it will not only make your car safer (I know that I have run a red light or stop sign or two in my 35 years of driving, from inattention), but it will also make it so much less tedious in circumstances that are pretty commonplace (or were and will be once the pandemic paucity of commuters ends).
I also agree with everyone that you will love your new car when you get it. I am absolutely delighted that I get to drive one of the most efficient vehicles on the road, that is also one of the quickest, with almost no maintenance requirements, and which allows so much customization of the driving experience, as well as the parking experience.