But Elon's intent is that as FSD becomes functional, the price will continue to go up. So you may actually comparing $5k vs $10k.
After having FSD for about 3 years, I have no issues with the money that I spent. Life is so much easier driving down the road with FSD.
It's not quite a pyramid scheme, but at times it feels adjacent to it.
For years now, FSD has not given much in features to the people who have it. Sometimes EAP has vanished as an option, and then it was a way of getting EAP. But whenever EAP was an option, the additional features from FSD were few if any. The incentive to buy before there were useful features was that the price would go up. The development of useful features was in part financed by people buying in, at a price that has generally increased over time (although with some flash sales along the way), even though that price increase is artificial--it doesn't reflect additional costs for Tesla or much in the way of additional benefits for the buyer.
In addition, features keep leaking from the more advanced packages to the less advanced ones. Remember the visualization of cones? Wasn't that supposed to be one of the first FSD features? But now AP has it. Smart Summon seemed like a natural for FSD...but EAP got it. It used to be that I couldn't set TACC below 18 mph with just AP...but then AP got that too, even though I'm not really supposed to be using AP in situations where setting TACC below 18 mph makes sense.
The one concrete, potentially useful thing that people have gotten for FSD is the upgrade to HW3, but that only applies to people who bought cars before HW3 became standard on all models! So that's a special case. It's not like cars with HW3 already get a discount of purchasing FSD.
I like a lot of the things that Tesla does, but these FSD shenanigans are a problem. Even if Tesla succeeds in getting L4 autonomy in the next few months, their past history of getting people to buy vaporware on the prospect that the vaporware would get more expensive before finally becoming real is shifty. Yes, it's pretty common to be able to get a discount on software that's not yet developed by purchasing in advance, but this has been much more extreme than is typical.