I think you're being overly negative. Is it as good as real life? Of course not, but it's not terrible as you're making out. Try Google Resonance: https://cdn.rawgit.com/resonance-audio/resonance-audio-web-s...

Personally I find the horizontal angle localisation excellent - vertical is slightly hit and miss.

But it probably depends on the person, too - HRTF models assume an "average" head