Automotive HVAC has more design challenges than your average home, most notably humidity control. For example, when the temp is cool but humid, you have to heat and cool simultaneously to dry out the air and prevent windshield fogging without also freezing the occupants. The car has a temp and humidity sensor in the rear view mirror housing that determines how much dehumidification is needed.
Yes, your proposed basic thermostat settings would save energy, but at the expense of occupant comfort and visibility in humid conditions.
Don’t get me wrong - Tesla’s programming isn’t perfect. Just cautioning against oversimplification.