I disagree with you. Glad you worked in the industry, I am using FSD daily, it is really excellent.
You'd trust your partner or parent to do that for you ...
Are you ready to have your tesla drive FSD with you sleeping in it for 500k? You are letting your feeling dictate that FSD is ready. The math is more complicated.
That said, based on my experience with FSD, I'd be tempted to take a nap if it let me, reinforcing my initial statement that it's very darn close.