That depends entirely on the context that I break it with, but since you want a simple answer for this scenario: I used the hybrid X1 once, offline in single player, just to see what was up with it. I didn't particularly care what the ToS said, because I never had any intention of doing anything with the car that affected anyone else, which is what the ToS is in place to prevent.
Now, by all means complain about the cars ruining online or how you think Sony needs to do something about it or whatever; but you have an extremely skewed sense of what morality is if you think it can be dictated by legal contracts.
Sony's Terms of Use apply to using PSN, which is why they can (and possibly will, though it's doubtful) ban people over it. Not to the game itself, because it isn't a service. Providing game updates is a service, and Sony is perfectly within their rights to bar you from those over the usage of hybrid cars too; but you're not renting GT5, nor does it fit into that quasi-rental concept that digital distribution title have. So long as you're not breaking the law with what you do with it, it makes no difference what you do if you aren't using Sony's service that the ToS applies to in the first place.
I was too lazy to check.
