Critically, this doesn't take into account that the model 3 has the lowest probability of injury [1] of any car ever tested by the NHTSA. Driving a car with a higher probability of injury means you must calculate the cost of a fractional injury and what this might cost you and your passengers in lost time and/or quality of life, nevermind the case where the injury is fatal.
[1]: https://insideevs.com/news/356489/tesla-model-3-safety/