Listen, I am not sure that Martians won't land tomorrow and steal my rabbit. Doesn't mean I'm gonna sit there and stand guard on my roof.
Your comment about the wheel 'being similar but half of it is missing" is dead wrong. All Teslas currently being produced above the model 3 and Y come with the yoke steering. There is no full wheel available anymore on the plaid versions of the car. As for understanding the engineering, the airbag does not rest on the steering wheel when it deploys. In fact advances clear of the wheel and prevents you from hitting the center of the wheel. I'm not quite sure where you think the airbag is suddenly going to go, especially given how large it is, and how it actually works. It's not a pillow that requires the full wheel to support it. I have had the unpleasant experience of deploying all four forward facing bags in my car. Ironically the airbag was incredibly comfortable which is a strange thing to remember after the accident but that's a whole other story.
"Playing devils advocate" is another way of saying "I don't like what you're doing so let me s**t on it with rampant speculation under the guise of just asking questions". Here is an idea if you want to provide an informed opinion. Call your insurance agent, tell them you're considering changing the steering wheel to the an aftermarket version of the new model of Tesla wheel and see if your insurance rates change. If they say it does, have them provide that in writing and bring it back to the forum as a legitimate, well educated, warning. Just for the record, I did, they didn't know what I was talking about and didn't care. And I have Tesla insurance. As for your question regarding liability protection, you clearly misunderstood my point. If you do something negligent, or that is otherwise deemed to be your fault that is by definition "strict liability". Does that mean the liability section of your policy will cover that, it means that you have to have insurance to cover things that are your fault. Hey Siri if you decide to deep fry a turkey next to your shiny new model S and set it on fire, you are liable for that, in that you're negligent action directly lead to the loss. But your comprehensive policy will still cover the damage to your newly barbecued vehicle.
If you don't like it, and don't want it, don't get it. But people have modified their cars since the beginning of time. Many people on this forum including myself have changed the hood, headlights and the front end to the new model. Does that mean the airbags won't work? Some of us including myself have change the interior seats. Was that specific vehicle tested with those specific components on it for the NHTSA crash test? No it was not and yet we do it.
People add superchargers, turbos, change exhaust, upgrade their brakes, change their suspension, and every once in a while somebody will do something to their car that does cause it to get damaged. I don't inform the insurance company that I put aftermarket wheels and tires on my car either.
Now if you'll excuse me, I need to go climb on my roof and prepare