Good post, and I get what you're saying. Knowing the challenges and having perspective is good, it gives an appreciation for what most video game companies accomplish nowadays. But even if someone doesn't know the challenges, they can still have expectations and criticisms because of how other PC /console racing games have handled AI. PD, as professionals, have to live up to the standards set by the competition. Especially because we know they have the potential to do things really well.
The same argument extends to graphics. Programming 3D graphics is a challenge too. I've read some 3D game design books (recent ones and ones from as far back as '98) and it's amazing how some of the really advanced techniques work when you get to see actual code and formulas, etc. But casual gamers, unaware of those challenges, still have some ground in saying "well, that game has great graphics, why doesn't this one?" and that is a fair criticism, even if there's a temptation to say "yeah, but it's hard to do!"