This is a HW4 Tesla on FSD 14.3.2 trying to drive into a lake five days ago (a la The Office): https://www.reddit.com/r/TeslaFSD/comments/1t9rl2u/fsd_tried..., so I would not say Tesla has solved standing water yet.

That said, FSD seems quite capable of routing around standing water in many cases (e.g. https://xcancel.com/planoken/status/2030754820462633031, https://www.reddit.com/r/TeslaFSD/comments/1pw9f2m/fsd_navig..., https://xcancel.com/BLKMDL3/status/1991862465328779317, https://xcancel.com/JVTacoma/status/2046313902749921638), so handling the remaining cases seems more like a model intelligence / data issue rather than a sensor limitation. Lidar beams generally bounce off mirrorlike surfaces without returning to the sensor, so I think all lidar would tell you about standing water is "there's something shiny/reflective within this region of the image", which you already know from cameras+headlights.

Waymo has LIDAR and cameras, so it is better equipped for every situation.

LIDAR isn't helpful for water. Standing water behaves like a mirror on LIDAR.