99% of my FSD disengagements are navigation related: leaving it too late to merge into an exit lane (or CA drivers speeding up to not let me merge), not being aggressive enough at going into the opposing lane to overtake a stationary truck (though, it's a lot better at this in recent versions).

I can only recall one "oh shit" moment on an older FSD version when it carrier too much speed down a steep hill in SF and went through a 4-way stop and I had to slam the brakes. A lot of the strangeness / hesitance of previous FSD version is gone in the latest updates.

I don't expect self driving to be 100% perfect. I feel like FSD today is a 90th percentile human driver with super human reaction speed + visibility. Holding a "never gets into an accident" it too high of a bar. FSD consistently drives better than me (with the caveat of navigation: I know the city, I know which unprotected left turns are easy vs. hard, I know which routes tend to be faster due to local conditions, etc).

FSD is excellent in how reactive it is to thing you don't even see: e.g. car on the 101 at slightly drifts into my lane, I didn't notice it, FSD reacted. I feel WAY more unsafe now riding in an Uber vs. hands off FSD'ing in a Tesla.

That's completely false to say Tesla has done 0 ever. They have a fleet, admittedly small, of unsupervised robotaxis operating.