I've already ordered the FSD up front, as I think it will help the resale value of the vehicle if I wanted to sell for a new Tesla product. The monthly subscription would eventually cost more than the up front $10k cost, especially if financed the $10k, and not help me sell the vehicle with...
Tesla Insurance will have to align their Insurance coverage with Tesla FSD policy, as price of FSD increases over time... one of them should cover the replacement cost.