I agonized over this. I bought Enhanced Autopilot when I got the car, but there was no FSD available at the time. They they brought it back, but the price was higher than my EA. Then thry dropped the price to reflect the upgrade. I wasn't fast enough to buy and they then raised the price. Then they raised it again and I felt like an idiot and had reverse buyer's remorse. Eventually I bought it to ease my anxiety (I realize this all sounds ridiculous. Fool and his money and all that).
Is it worth it? Probably not. Autopilot is awesome and makes long drives on the highway way better. I occassionaly use Summon and it's useful. Advanced Summon doesn't work very often, so I don't use it t all. Buit the FSD visualation preview is cool and stopping at traffic lights would be a great safety feature. So there is hope.
Bottom line for me is that I don't think my Model 3 (bought in late 2018) will be able to self drive. I do think cars build in 2025 or so have a decent chance, but I think this requires future upgrades to cameras, radars and computers that don't exist ont he current model. I love Elon Musk for what he has built, but he's also overly optimistic. "Later this year" means next year at best. Likely a few years later. I think he really does believe, but then gets thrown off by the reality of regulation, manufacturing and technology.
Autopilot is all you need. Eventually FSD may have some cool feautures, but if I could get my $5000 upgrade fee back, I probably would.