I'm still opposed to skill points or redistribution of stats. It removes an aspect of skill from the game (lose the ability for more skilled players to predict how cars will react), promotes minmaxing, and either defeats the purpose of having different classes of cars or the system isn't noticeable. I'm not gonna quit GRIP if it gets implemented, but I don't think it has a place in racing games. A given car's stats should be a constant at all times in this game, otherwise you might as well just let people allocate stat points at the beginning of the game, then choose whatever vehicle model they think looks best.
That said, I like all your other ideas, and would love to see something like this in the final product.
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