Instead of only being able to turn Names Over Heads on or off, include an option which hides the names over drivatars only.
I was just going to suggest that. It’s so frustrating having turned it off for single player events and then forgetting to turn it back on before participating in a trial or playground game, where you have to be able to tell who’s on which team. 
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I just started playing FH5, and I have to admit that I was shocked to see my son’s gamertag on one of the AI-driven cars. He died two years before FH5 came out, so it created this weird dystopian vibe to be racing against “him”. I didn’t like that feeling.