Ask HN: How to value RSU grants for a public company in a compensation package?

So the general advice for private stock options here seems to be to treat them as worthless, due to how hard it is to assess their true value. But what about RSUs? They're much more liquid and there's a much clearer assessment of their current value. So how much should you discount them given the vesting period before you can liquidate them?

Black Scholes suggests that you value it as equal to the current stock price (Given that the risk free interest rate is effectively 0% right now), but for one, BS famously wrongly assumes a normal distribution of outcomes and for two, doesn't take into account an individual's risk tolerance (Ie, I value a 50% chance of 100 $ plus a 50% chance of 0$ at less than 50$ in aggregate, due to loss aversion).

So does anyone have any better suggestions?