Midnight Club/YMMV


 * Demonic Spiders: The police.
 * Game Breaker: The Kawasaki ZX-14 is unlocked when you reach Champion rank. Fully modified, it will blow the doors off many A-class exotics for between half and one-tenth of the price, depending on your choice of comparison. It can make short work of the difficult AI (see Nintendo Hard below). The South Central Pack (which is included in the Complete Edition) also has the Ducati 1098, which is slightly cheaper and even faster stock.
 * Goddamned Traffic: There is nothing more aggravating than having a clear shot at the finish line only to have your run rudely interrupted by a hapless AI commuter. Which is why Rockstar made Aggro.