FSD should theoretically reduce the number of accidents. But it does seem like any accident repair cost will go way up with the single cast frame Tesla is developing and using along with this integrated battery into the frame.
The realistic view on Tesla, based on my experience IRL:
1. It is nearly impossible to get a human being on the phone. VERY frustrating when you have an actual problem you need help with.
2. If you get in an accident & need body repair, you're typically in for a very long wait. Also, it will be incredibly expensive.
3. If anything breaks, you typically have to have it towed to the nearest repair facility. My buddy ran an update & it bricked his car (basically BSOD). It was EXTREMELY difficult to relocate in his driveway & the repair center was so backed up that it took them weeks to get it back to him. A flatbed had to pick his car up & they eventually gave him an ICE rental (irony).
4. If you get a flat tire, it's not an easy (or cheap) fix. Maybe you can get a Ranger to swing by, maybe you have to get towed. Either way, you're stuck on the side of the highway until you can get help. Ridiculous.
5. Service requires scheduling a visiting technician or driving to the nearest available repair facility. It's not like going to Jiffy Lube or Pep Boys or a local dealership & getting back on the road.
I rely heavily on my vehicle for work, so these are some very scary things to me because I rent (no garage), I have an assigned parking space, and I don't have a spare car available. Most of the time, you'd be OK with a Tesla, but if any one thing goes wrong, it has the potential to go from a minor hassle to get it fixed locally in an expedited manner to, well, a project. The guy who towed my buddy's BSOD car said he tows Teslas almost exclusively because of how often they break. I asked him what the biggest issue was & he said usually the screen goes blank (wiring harness iirc) & goofs up functionality of the car because you can't access most of the features via the giant touchscreen.
In general, most of the time, there will be no issues, but when you do encounter a problem, it has the risk of becoming a bit of a time & effort project. I live 10 minutes away from a Ford dealership; I had transmission issues recently & was able to drop off the car, pick up a loaner, and be on my way within an hour. I'd really like to pick up a Y, and eventually trade that in for a Cybertruck (hopefully with a million-mile battery!), but being totally dependent on the five Achille's heels listed above of their current support structure, as it exists today, is worrisome to me. If I can get my ICE paid off in the next couple of years, then I can just keep that payment going into a Y (which will hopefully have the new battery tech by then), and that way I would have a "backup" vehicle in the (hopefully rare) event of a major EV issue.
Although man, those Y deliveries have a lot of goof-ups! The prevailing attitude is "Delivery 2.0"...car gets in, review it against a checklist, return it to get fixed, THEN take home delivery of it...paint issues, panel alignment issues, rattles, water leaks, etc. Already got burned on a first-gen car (my Jeep) & don't want to go through that experience again lol.