I, personally, did not find it fun in the slightest. For a start, my friend Pollux458 was over and he wanted to take some pics of a pagani huayra. He had never played the game before, so he crashed and burned, and in the end just started screwing around and stopping here and there to take shots. Wanna know how far he lost by? 15 seconds. On hard difficulty. No rubber banding you say?
But, rubber banding doesn't necessarily make it not fun. Rubber band AI can and has been done very well in some certain games. Driveclub? Not even close. Yeah sure, the legendary AI is fast, but here is the biggest problem; The Driving line of these things are completely stupid. So if you are in front of them by only a little, you will be killed at the next corner unless you take the exact same driving line as the AI.
Now, to some people, this is fine, as their driving line reflects the AI. For me, it is not fine, because I prefer braking early and accelerating hard in the corner, as this does a couple of things. One, it is pretty much as fast as late braking if done correctly, and two, it causes the opposing drivers to rethink their own line and entry speed as there is a car slowing early and taking a much tighter apex than them directly in-front of them. If done correctly, it is very hard to overtake a person on this rhythm. Unfortunately, DC's aggressive AI has absolutely no clue how to deal with this, so they just ram you in the back, which causes you to spin, and they take none of the consequences because they are on rails and there is no damage. Either that or they overtake you in braking, completely stealing your line and often cutting grass to do so, which would probably send them to the pits in a real race
So yeah, the AI is just too dumb. Obviously they were designed this way so that they were hard to race with, and for some that may be fun. And I do realize that this doesn't only happen in DC, but it is the only game in which it happens to me without fail. so yeah, there is my 2 cents.