MOSFET Safe Operating Area vs Maximum Ratings
With a Vds of 10V you should be in the linear are of operation of the FET (not fully on).

In a switching application, that is a "switching" loss. When fully on, you will approach the lowest Rdson that your given Vgs can achieve, and that would be a "conduction" loss.



Image source

The voltages on the SOA graph are not the voltages across the FET + the load, just the voltage across the FET.







simulate this circuit &ndash; Schematic created using CircuitLab

If the FET is "off", then the drain will "float" up with the load (so Vds will be high, but current will be very low). When its "on" Vds will be very, very low (Rds * current), and current high. So provided your FET is properly turned on, it should spend very little time on the upper-right part of the graph.