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.