Tesla is increasing the FSD price by $1000 on 11/1, the FSD has been available for purchase for 2016 when the AP 2.0 software was rolled out on Model S and X. I was on the fence about purchasing the FSD back in 2016 with my Model S but lucky I changed my order before the week and have it taken out. Not only because my Model S was totaled last year, but the fact that it's been 3 years and not a single feature been delivered. I highly doubted the insurance company will include FSD value in a total loss when there is no functional features.
While Tesla pricing had always been unpredictable lately, the general rule is early adopters always seems to pay more. For example, the autopilot and FSD were discounted earlier this year, all Tesla models (Roadster, the Model S, X and 3) the early buyers all end up paying more. Will owners in the early access program really get FSD functions by the end of year we will see what happen.