Why are Forza Motorsport and Forza Horizon 5 so vastly different?

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You already answered your own question. Both games share the same car models and some of the physics and that’s pretty much it.
They are targeted towards different audiences though. FH5 is developed primarily by PG and meant for Fortnite kids and wall riders, FM is exclusively developed by Turn10 and made for people that’re bit more into real racing. Thank god they are NOT similar.

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