Adding in my experience for info.
tldr: Had a 2013 Model S for 4 years without a crack. 2021 Model Y that's garage kept 98% of the time: 2 cracks in two years (one caused by rock, other no known cause). First replaced by Tesla within 24 hours, no issues. Second is pending (just happened) Florida: insurance covers 100%.
I had a 2013 model S for 4 years before trading in for a Y. That was a massive windshield but I never got a crack in it, both luck from no rocks hitting, and no stress cracks.
Shortly after getting my Model Y mid-2021, I had a rock hit my windshield on the bottom driver side corner in the black that stared out as a Starburst crack which quickly turned into a crack across half of my windshield (same day).
Initially I went to the safelite website which advised it could be weeks before replacement because they had to order it, and I'd need to take the car to Tesla calibrate the camera after (this was before calibrate was an option in the menu.) I came on this forum for some research and read about some safelite replacements not going as well due to delays in getting the windshield and it cracking en route, also issues with them damaging the cameras on install (which could happen to any vehicle with those cameras, at any replacement place). I read that the service center could do it and then you put a claim in with your insurance for reimbursement if you could pay the full replacement upfront.
I put a service request in with Tesla, who contacted me within a couple of hours of placing it. They advised that the service center in my city didn't have the windshield in stock and would order one, but that the next nearest service center had one in stock and could replace it next morning. Since it was a huge crack across the driver side, I didn't want to wait (plus I enjoy visiting the city the service center is in).
Side note: I've dealt with my service center for 6 years now and I've always had good experiences with them, the one who replaced my windshield was great too.
Drive up next morning, they provided a rental (this was in 2021 when rentals were more common) and within a couple hours it was replaced, no issues. I had no issues wih the windshield after install either.
Fast forward almost 2 years later, today, and I woke up to a crack on my passenger side from the edge. This time a rock didn't hit, zero impack points, so it is most certainly a stress crack. I just put a service request in, let's see how this one goes. Hoping warranty covers without issues, but thankfully my insurance would cover if it came down to it.
I live in FL where insurance covers windshield replacement without the deductible. I paid the service center for the windshield ($1400 or so) and submitted to my insurance (progressive), and had a check in the mail for the full amount shortly after.