but still not worth it to pay outright.

Tesla just lowered the monthly price to $99. If you buy it outright at $12k, that is 10 years worth of monthly payments. Even if you're getting it at a discount on a used vehicle, you're paying upfront for something that still doesn't work well and will take years to make back your investment.

You might look at buying a new Y and skip FSD or pay monthly, Tesla is offering great financing and inventory vehicles are pretty well priced.