Well, you have asserted that:
"guys with chase cam might be able to do a decent lap, but still not on pace with the top, and I question their ability to consistently hit that time, especially in a race without making any contact at all."
How can you make this assumption? It's made up crap.
You also say that "My laps are usually within 2 tenths of my fastest lap which is usually within a second of the top time, and considering I maybe play 1-2hrs per week I’m content with that time knowing most of the top times are from guys willing to put in a lot of time."
So how come, if you are nearly as good as the top guys, you only have 9 wins in 30 races? And those have only come in ranks D, C and B?
Max SR points. You've only hit it once.