Good to see an honest report not coming from an "influencer".
Bottom line for you is it is very good but not perfect and not worth $99/mo.
IMO, the price will only come down. At $200/mo some folks wanted it, and at $100/mo it will get more users. Just curious what your price point would be?
I would be interested in a system that warns me if I have drifted out of my lane due to inattention, a medical event, or fallen asleep at wheel...stuff like that. I can get that on ICE vehicles or EVs at a one time affordable cost.
FSD doesn't "turn my crank" much. I still need to be at wheel, and I have a Garmin that costs $150 to plan my route in remote areas or a cell phone where there is cell service. If there is an advantage to FSD I am not seeing it.
IMO Musk is trying to get as many people as possible to get on board not just for some added revenue but to work out as many bugs as possible before the August Robotaxi launch. The Robotaxi will be 100% dependent on FSD. So it must be 100% perfect or it will be a disaster.