Maybe some people should read Eurogamers review..
http://www.eurogamer.net/articles/2013-11-20-forza-motorsport-5-review
Forza Motorsport 5 suffers from a diminished amount of content. It's not the car list that's the problem. The 200-plus offering may only be over half of what Forza 4 had to offer........... It's the track list, though, that falls short.
So little is spread out so thin across a career that doesn't make much of an effort to engage.
All that's left is the grind, and it's not a particularly pleasant one. Unlike previous outings, cars don't unlock upon levelling up. Everything must be bought in Forza Motorsport 5, and all transactions take place in a slightly misshapen economy. A series will, on average, net the player in excess of 110,000 credits for just under an hour's effort - but with some of the premium racecars costing well over a million, it's a somewhat brutal grind.
Good job, then, that there are tokens purchasable on the Xbox One's marketplace for you to attain the car you're after, or to temporarily boost the rate at which you gain XP. When you've already paid £429.99 for a new console, £44.99 for the game and maybe even £349.99 for the only steering wheel that the game supports at launch, such tricks appear a little unsavoury, and in Forza 5, mechanics greedily smuggled from free-to-play games trample over the elegant RPG elements the series once embraced so effectively.
So basically people saying it doesn't affect you are bullshitting, the game design has clearly changed to make grinding less preferable and microtransactions more so in a $60 game. This is bullshit the prices are obviously ridiculous as well calling the worst value pack "Good value" is all sorts of anti-consumer.