When have they increased the price of that in the past? I don't think they've ever increased Premium Connectivity as well. FSD advancements will require better hardware in the future, if you buy FSD now that's a sunk cost when you could upgrade the car in a few years to get HW5/HW6.
Just curious what your down payment was that you are able to use Plaid to pay that? I am doing a $30k down payment and the only option in the app I can do is wire transfer. I read that under $50k we should be able to use ACH via Plaid so mildly annoying I don't have that option.