As an automotive engineer who also worked many years on HVAC systems, I can tell you that all cars are susceptible to this smell. It's a combination of many factors, which several people have mentioned. In addition to your local climate/weather, vehicle usage patterns, even the angle of the ground you tend to park on, it's also dependent on the quality of the evap drain design, and the quality of the evaporator itself. Higher end units are better at shedding water, and can even be made with coating on the metal that reject the water and lets it drain with lower blower levels. Once you have mold, it's much harder to get rid of than preventing it in the first place, so I'm glad to hear that my '21 M3P is probably fine.
I worked on the original GM afterblow algorithm, and I'm sure Tesla adopted the timer delay to turn on the blower after the customer has left the car so as to prevent customer confusion/complaints. (that why we did it that way)