This branch covers FSD as a CONSUMER PRODUCT — what $99/month subscribers actually get today. The underlying technology (neural network architecture, camera-only approach, compute hardware, FSD version trajectory, data moat) is covered in the robotaxi technical branch and cross-linked here to avoid duplication.
FSD v14 is the most capable Level 2 ADAS available as a consumer product (MotorTrend, Jan 2026), offering point-to-point driving on all road types with destination parking, but it requires constant supervision and remains far from unsupervised autonomy. The key consumer issue is the HW3/HW4 hardware split: ~70% of FSD users are on HW3 hardware that cannot run v14, creating a two-tier experience with potential churn and resale value implications.
Should the technology branch have its own detailed research, or is the robotaxi cross-link sufficient?
FSD v14 is the most capable consumer Level 2 ADAS system available, delivering point-to-point driving under supervision. Key features include destination arrival options, Actually Smart Summon, emergency vehicle yielding, and five speed profiles. The 10x neural network model upgrade enables smoother driving and improved perception. However, it remains fundamentally supervised -- 'far from what Tesla sold to car buyers,' per Electrek.
HW3/HW4 split creates two-tier experience
~770K of 1.1M FSD users have HW3 hardware that cannot run v14 at all -- they're stuck on v12.6 with 'v14 Lite' coming Q2 2026. HW3's 8GB RAM and 1.2MP cameras physically cannot run v14's 12.5GB neural network. This has created a two-tier resale market with HW3 Teslas seeing a projected 15-20% drop in FSD-inclusive resale value. Tesla has offered no official upgrade plan.