I had the game since I was six and I've never beaten it. I think it's the least accessible game in the classic NFS era. I liked how much effort was put into the car models, the fact that every track had police cars that corresponded to what country the track took place in, complete with an option for the cops to speak in the style/language native to the track. I liked the fact that you could in fact be the cop for once and stop speeders.
The tracks carried more of a "realistic" factor to them than the predecessors. II's tracks felt like amusement park rides. III's took place in more generic and realistic settings but still had the arcade flare without being too outrageous about it. High Stakes had the most realistic feeling tracks in terms of environment and atmosphere to that point in the series. (Though I can't really say much about the first game in the series since I've never played it.) I like them all, but Celtic Ruins and Dolphin Cove are my favorites.
However there was a few things that I didn't really care for:
- Stiff controls (though admittedly, you get used to them after a while)
- Minor thing: no announcer description for the tracks like in the past three games. PC version got this, but not on the PS1 version. (Seriously, I like the announcer from the first four games.)
- You were restricted to your career cars for single race mode instead of having access to the same cars you have access to in Test Drive mode or Hot Pursuit. You don't get any prize money or make any progress in single race mode, so why not have access to all the cars if you're just doing the mode for fun? Hot Pursuit mode lets you do this, though the Mercedes and Ferraris were absent from this mode like in the previous title. (Probably from manufacturer request.)
- In tournaments/special events, if you got any damage at all, be it a single scrape or major damage on your car, there was a mandatory repair fee that you had to pay after the race. (In later races as the cars got faster and more expensive, the more you had to pay.) Porsche Unleashed had a repair system as well, but I like how it was handled in that game. Repairing your car wasn't mandatory, but you can also pick and choose what you repaired. I didn't care about aesthetics, so if I wrecked the car, I would repair the mechanical damage, but leave the body damage be since there was no performance detriment (that I could tell) from a damaged body.
- Entrance fees for special events. Sure if you're good you can earn your fee back easily in the earlier events, but later on, you make little profit despite trying to win but still getting nicks on your car which eats away at your prize money.
I've never beaten the game, but over the last week I've taken a crack at it. Playing it on my PS3 however, I've been able to exploit the 2-player High Stakes mode to render money a non-issue. Having to replay tournaments just to scrounge up enough money to proceed never really seemed that fun to me, so I toned down the simulation aspect a bit. I've beaten all of the tournaments thus far, unlocked the McLaren F1, CLK-GTR, and Phantom, and all the tracks have been unlocked. On special events, I've beaten everything up through Corvette Pro Cup. So standing in my way is Porsche Pro Cup, Open Road Knockout, and the Endurance Racing Series if I remember correctly. So I'm getting pretty close.
While some may say I've ruined the game by exploiting High Stakes mode, I feel it's actually renewed my interest in this game. I can actually make progress instead of having to unreliably grind tournaments over and over to get enough money to progress. It's been nice actually. Finally being able to play the courses that I hadn't been able to play when I was much younger.