I hate these "progress report" threads, using only a percentage for game completion. There's a LOT we haven't seen because it wasn't in any form ready to be shown. What HAS been shown, was ready. We DON'T, and WON'T know what ISN'T completed until PD directly says. (Of course, if we know of a planned feature that still hasn't been shown, then it's probably going to be a last-minute finish. I would assume so for the Livery/customization options).
All games are done in a process, some things can't happen until another is done. If there aren't assets, the programmers don't really know what to program, etc. We've seen a LOT of new finished cars, and a fair bit of the new physics model, but, how do we know what other cars and tracks are planned? How do we know the engines (lighting, physics, aero, etc.) are COMPLETELY done? PD was STILL adjusting GT5's engine for a good year or two after release. There is simply NO WAY of telling progress on a game unless the developers are giving direct updates. (which never happens, for almost ANYTHING entertainment related). They tell you about a product when there's something to display, and then display more as that becomes ready. And basing it on "history" is a a ridiculous prospect.
A consumer should always expect a complete product unless the producer has told consumers otherwise. Producers are supposed to make complete products.