The problem here is the "level" system everyone has been told is the standard, which heavily implies that if you're at "3" while someone else is at "2", then you're closer to "5". This isn't really true though because solutions at Level X don't necessarily scale/work at Level Y. I dislike using the level system for this reason.
I think Tesla is closer because they are certainly getting there[1], and I believe their model (relying entirely on CV) is the one that has the greatest likelihood of stretching to FSD (Level 5 autonomy). Mostly because there is only one system we're aware of that can achieve FSD (humans), and the sensory package there is entirely visual.
Waymo is not trying to get to L5 at all. They are a strictly L4 technology and their focus is clearly on servicing where the market is, metropolitan cities.
L5 is a pipe dream for anyone; it's a moving target no one can ever reach. It essentially means the car can drive anywhere, in all conditions and without the driver needing to take over at all. So it really means Tesla can't declare FSD as "done" until it works for everyone, everywhere and in every condition. How close do you think they are for that to happen? Does that also mean if it encounters a unique situation and gives up, their L5 claims fall flat? Given their current poor performance [1], they have a long way to go to even let drivers take their hands off the wheel, so I'm not holding my breath here (vision stack or not).
The real end game for self driving is L4 because that's what you can reasonably promise to your users. That it works in a defined, tested area and when required conditions are met. This is why literally every SDC company is L4-only, they never promise L5. Either Tesla is focusing on the wrong problem instead of providing value to its paying customers or they are blatantly misleading customers by promising "L5 by the end of the year" every year.
And yes, I would say my bar is a little lower than yours seems to be, as hinted at in my first comment. As long as the system can respond with a solution that is equivalent or better than what a human driver would do the vast majority of the time, I see that as FSD.
It seems like your bar is lower for Tesla (you're okay if it doesn't work always, yet you consider it true self driving), but extremely high for Waymo - who are actually fully driverless - just because it's geofenced. Sounds like you're not applying the same standards to both.
Maybe it looks like my standard is tailored to fit Tesla, but it's actually not, it is merely the behavior I would want if I ever purchased a self-driving car. Specifically, I want a self-driving RV where I can program in anywhere I want to go and it will take me there.
I think Tesla's approach can easily get us there in my lifetime. I'm skeptical of Waymo's.