I have an older in-car system and my experience is the opposite.
First, the car doesn't download map data. I'm stuck with what was on the car when I bought it unless I want to pay an unreasonable amount to update it.
Second, it does download traffic data, but it's so slow that it's useless. I took its advice once and it cost me over an hour, because the alternate route had already filled up and had the disadvantage of not being a freeway.
Third, it can't navigate a path without connecting to the satellite (seemingly for traffic data, but possibly it isn't even calculating the path locally). So when I visit downtown SF, don't have up-to-date maps, and I'm inevitably behind some building blocking my southern view, it just abandons me.