Your ownership of multiple teslae makes it clear that you are in a financial situation to not have substantial problems if your car is in the shop for 2 months after a fender bender and the insurance coverage for a rental runs out. A lot of people aren't in that situation.
Even with 3 Tesla's in the family, there are 3 full time drivers that support their cars. Same stress if any of them are out of commission as one person household with one Tesla.
I haven't had a fender bender but I wont give up my Tesla based on just a *possibility* that might happen. Anything can happen, but it doesn't mean it will happen. There are ways to manage risks. Look for the insurance coverage that works for you. If there is an accident that allows the car to be drive-able , why not drive it until waiting for parts?
If it was a big enough hit to disable the car, I’m glad I’m in a Tesla.
If it was some warranty issue, you get a loaner. Consider I always get loaners even in the most impacted service market, Tesla will provide.
I am just like anyone else when it comes to the fundamental theorem of economics: "Unlimited wants, limited resources".
I might get a little bit more of the wants I desire over the next person because I managed my limited resources probably a little more wiser than the next person.
I was personally able to go from a M3 (Mazda 3!) to a 3P because I skipped a few BMW M3’s along the way.
I was fortunate enough to jump on a second 35K Model 3 because I already have the same cash outlay anyway. It just replaces my Volt lease.
In exchange, I get a far superior product and one that if I decide to - I can drive as little as I want, or as much as I want. I can also keep it for as long as I feel like it.
You are not a fool if your budget is only 20K. Buy the Volt.
You ARE a fool if you have 35K and you bought something else.
One of the worst mistakes a person can make at finances or giving up optimal utility is
throwing good money after bad.