I'm with you on the benefits. On the disadvantages, absolutely agree on road noise, though through a number of modifications I've made it much more livable. (Thicker cargo mat, cargo shelf, vinyl tubing inside hatch weatherstripping, adjusting hatch stops, reducing tire pressure. I have 19" Geminis.)
I added a sunroof shade with a reflective top, seems to work very well so far to keep the cabin cool. I'll put it to the test next week with a 1500-mile drive through 90+ degree heat (Los Angeles to Ashland, OR and back.) Silly question, but is the AC still too weak when you use Recirculate? Elon claimed in a tweet that it's not necessary, but in 100 degree temps it surely is.
$1850 insurance for six months seems ridiculous; I pay ~$550 for six months with State Farm. (2022 MYLR; took delivery around the same time as you.) Did you mean 12 months?
I don't mind the stiff drive, and the seats haven't bothered me so far, but next week will be the acid test. And I agree that the UI has some pretty abysmal aspects. No other significant gripes so far, though I'm sure more will develop.