You read about accidents caused by FSD vehicles, but they rarely tell what version it was. And Tesla doesn't publish useful crash data. Some of the crashes are catastrophic, like plowing at full speed into a semi truck, with a pale trailer, crossing the road--ostensibly because the trailer blended into the sky. It would be hard to take back control in instances like that, which makes me cautious about getting FSD.
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I think that both HW3 and HW4 are empirically safer than normal drivers, so I feel quite safe in both. A lot of the crashes later turn out to be a result of human error... like FSD was on, but the person pushed the accelerator by accident or something. It's definitely not perfect and you're supposed to pay attention (and definitely need to with HW3).