Tried racing with Drivatars on Unbeatable? Makes for a much cleaner and better racing of all cars around you. Unsure about your skills in general on FM5 but you could try and watch if the difficulty helps making a clearer/nicer track for you while pushing you to do better and better on each track 
No!!! wait for Project Cars. Or if you buy Forza buy used from GameFly $24.99. Just my Opinoin