If things continue the way it has been, never would be the best estimate of a release date.
Depending on the last time you logged into a session, the current status is between playable and entertaining and nightmare of lag/desync issues making it something most people would want to avoid
In a purely technical sense, if CIG locked the code branch and set 100% of the creative teams to the task, the current system could replicate a Starfield level game and do so in a seamless manner.
It wouldn't be without issues but something I consider plausible
Star citizen has been able to do "all that" for at least 4 years, and most consider it a glorified tech demo
In Star citizen you can also do all those things with other players too
If you think "they aren't close yet" it might be worth trying it out during one of the free fly events - the only cost is your time to download and play it.
Having an opinion is fine, having an informed opinion is better