Hmm since I turned online off or one of the other things, there is no traffic at all on the roads. Just empty, nothing. I'm the only driving car in Mexico lol.
It's not a setting, seems there just aren't many npc cars at all
https://racinggames.gg/forza/forza-horizon-5s-emptiness-is-a-real-problem/
I spotted a stopped ghosted car on the way to the next race, rest all empty, weird.
Does this mean anything? Just popped up and started counting down