I'm aware, which is why I specifically referenced the MCU in my post.
I'm about 95% certain I'm going to pay the $500 for an eMMC swap, as I don't see a whole lot of value in the MCU2 upgrade for my personal use case.
Unless Tesla offers emmc swap for $500, you really cannot use that figure for cost of ownership comparison. I swapped mine with a 64GB chip for less than a $100, it doesn't mean everyone can do that. Maintenance costs should always be counted as per official repair costs, not what it would cost you if you could do it all yourself and/or from used parts on ebay. I knew a guy who owned an old Hyundai, and his cost of ownership was almost $0 because he worked in a junk yard where he got parts for free or maybe a lunch for his boss, and he did all the work himself - that doesn't make an old junkyard Hyundai the lowest cost of maintenance/ownership car ever. Actually, IIRC the guy bought the car for $300, drove it for 4 years (while fixing it with junkyard parts), and then sold it for $1,000, so technically his cost of ownership was negative, right?
Toyota is obviously the high water mark for reliability and literally wrote the book on it. Lamenting that literally every other car company on the planet can't meet their reliability benchmarks isn't particularly interesting to me.
Prior to Tesla, I've owned from new a number of cars from Honda, Toyota, VW, Lexus, and Porsche. All of them were much more reliable and costed me less in repairs than the Teslas, even though I kept some of them longer than 5 years, which is how old my oldest Tesla is today.
All that said, if you are good with computers/electronics and are not afraid to work on your own car, I think a used Model S might actually be a decent option for a car. If you are willing to fight Tesla to sell you parts and/or find parts on ebay and swap them in when needed, do things like replace your own emmc, the cost of ownership excluding your own labor might not be bad, especially that the car quiet fun to drive compared to almost anything out there. However, I don't think this will be true of Model 3 or Model Y, as Tesla has put a lot more security around their design there and things are a lot more locked down (and Tesla can lock down a lot tighter than other manufacturers as they don't have the dealership model to worry about). I suspect as time goes by, all Tesla cars will get more and more locked down, so at some not so distant future, you will not able to swap parts in from ebay, as all parts will require "digital activation" for a specific car, and that will require a Tesla service center to do.
One last thing to add, the end of battery warranty is definitely your biggest drop in value. A Tesla post 8 year battery warranty is a much bigger gamble than a Tesla post its comprehensive 4 year warranty.