I would have thought they would have made it more realistic and when you crash you're out is realistic, you should have to try not to crash
That'd be complicated. Not all crashes result in a broken car, sometimes they do other things from keeping on going just fine after recovery to getting stuck in the sand and gravel runoffs. Sometimes your crew can fix it well enough for you to get back out there. Sometimes it hurts the car enough to mean shit's rubbing on the tire and you blow a tire because of it.
That'd be a lot of complexity.
Oh just assign a damage number based on an estimate and when it reaches a certain point you're done if you want, a damage meter
Some games have tried that. You get damage at each corner, damage to the engine, and body damage. The corner damage is just your tires wearing. It's cumulative and anyone of them going full red causes you to pit and shit like that. It doesn't work well.
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