It does seem strange in terms of insurance coverage though... One setting change and the payout jumps $10k or so. If Tesla insurance gets a discount on FSD for replacement of totaled cars, that's a big cost advantage.This is really not a big deal. The people affected the most would be early adopters who paid less.... Either way, when you sell your Tesla vehicle WITH FSD, you get $A more than without. You buy a new one with FSD for $B more than without. Since Tesla won't allow transfer, it costs you ($B - $A). Not worth all of the bitching IMO.