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Yeah I'm not really getting the grindy complaints about Forza at all, just did a single race on Watkins Glen and got over 14,000 credits, and I'm only on 4/10 on difficulty and the simulation tier that gives you the least money per race, if you're playing on a higher difficulty with full damage, tire, and fuel simulation you would get over 20,000 credits for that race I believe. And I'm only on the 2nd campaign, I would assume later campaigns pay better rates. I just don't foresee any issues being unable to afford to buy a car that I want for each campaign/circuit, and that car you pick for that circuit will level pretty quickly if you'e good at racing and get good segment scores frequently like I do.

I will say that I have found a few things about Forza Motorsport that I don't like, though ironically none of them seem to be things that the 5.5-7.5/10 scoring critics complain about:

  1. Where is the music? I remember fantastic in-race music in some of the past Forza Motorsport games like Motorsport 5, but there is only music in menus in this Forza. This was probably done to really bring home the racing sim aspect, since real racers aren't listening to music in a race, but turning music off should have been an options screen thing rather than a forced decision by Turn 10.
  2. The UI could be better, I didn't see a way to download and apply sprays when buying a new car needed for a circuit, instead you have to back all the way back out to the main menu and go into a car menu there to search for sprays. On top of that the actual download and installation of said sprays is slow, roughly 20 seconds per spray. 
  3. The rainy tracks don't look as good as I remember them looking in Motorsport 6 and 7, I remember huge puddles that realistically pooled in low elevation areas of the track, but the only rain race I have done so far had no puddles, just basic wet asphalt that seemed more like Gran Turismo games than the fantastic wet track system of Motorsport 6 and 7.